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

I made my final scheduled payment on an auto loan with Bridgecrest ( formerly XXXX ) on XX/XX/2018, a few days before the scheduled maturity date of XX/XX/2018. When I made the final payment the agent that I spoke with informed me that I had 90 days from the maturity date to pay the remaining balance on the loan. I paid the remaining balance 84 days later on XX/XX/2018. Roughly a week later on XX/XX/2018 I pulled a new credit report and was surprised to find that they had reported 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 

At no point during the initial conversation did the agent mention that it would be reported negatively during the 90 days. I also spoke with an agent a few times during that 90 days and was never told that it was reporting negatively or that it would report negatively. After pulling the credit report, I contacted the loan company and spoke with a manager who assured me that it would be fixed. A few days later I received a credit reporting letter with an account status of " Paid / 81 days past due '' and 1x30 for XX/XX/2018. Again I contacted the loan company and spoke with a different manager that is now stating that there is nothing that they can do.
Product: Debt collection

I was born in XX/XX/XXXX. XXXX states that I opened up 2 accounts under my SSN. One in XX/XX/XXXX and the other in XX/XX/XXXX. Both of the accounts were clearly opened when I was a minor and not by me. Now there is a balance from one of these accounts that is showing on my credit report in collections and I in the process of trying to get it off. This is currently effecting my job and is costing me money. XXXX states they don't have my BIRTH DATE on file BUT they have my SSN and have the audacity to send an account to collections on my credit without a birth date? How were these accounts opened? How does XXXX legally get away with letting an account be open by a minor. I don't know who opened these accounts but I am more mad at XXXX for letting this happen. I minor shouldn't worry about accounts being opened under their SSN. I couldn't even go to a PG13 movie in XX/XX/XXXX. Why was there a cable account opened?
Product: Debt collection

Our experience with XXXX XXXX is very negative.Aside of sending wrongful amount on the bills, it is destring physically our community. Last week XXXX subcontractor had blown up 3 buildings in XXXX XXXX, it shows the profile of the company I am complaining about. 
In XX/XX/XXXX after speaking to customer service rep. I was told we owe nothing, 2 year contract finished in XX/XX/XXXX, my phone is paid off. After long fuss, going to their store, not receiving credits for wrongful charges we and our daughter are on collection for XXXX Collection Agency is Convergent, client # is XXXX, spoke to XXXX XXXX Please help to bring this company to behave fair, and with intergrity
Product: Credit reporting

I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Transunion has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
Product: Checking or savings account

I was written a check by a previous employer, XXXX XXXX XXXX Chase restricted my account until it could verify the check and the writer of the check. 

I have been on endless phone calls with my bank, Chase. They refuse to directly call the number on the check for verification purposes. They stated that they can only call verified phone numbers for the writer of the check, which begins with " XXXX. '' However, they have been bounced around between departments and when directed to XXXX, the company that writes the checks, they were unable to help. 

I have probably talked to 5 contacts from XXXX, and 20 from Chase, with no luck. 

I warned them that they have 7 business days to release my funds to me, or I will take legal action. They warned that my account would be closed in 10 days if this is not resolved, but they are refusing to try and resolve this. 

I want to file legal action against XXXX, Chase Bank, and XXXX, all 3 bodies involved.
Product: Credit card or prepaid card

ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $   XXXX  for Web Order Number :  XXXX   XXXX  WATCH  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Part Number :  XXXX .     Attempted to resolve issue directly with  XXXX  on multiple occasions from  XXXX   XXXX   XXXX . Then sought resolution by submitting request to open an investigation   XXXX   XXXX   XXXX  with credit card issue r (   See Attached FILE  XXXX  ). Credit Card issuer applied a temporary credit back to my account on  XXXX   XXXX   XXXX .  Below  is the last reply to credit card issuer in response to correspondence informing of action from response from  XXXX   ( See Attached FILE  XXXX  ).     NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution   XXXX   XXXX    XXXX   XXXX , VA  XXXX   RE : NFCU Correspondence Cre dit Card  Dispute  with  XXXX   Online  dated  XXXX   XXXX ,  XXXX  Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by  XXXX   XXXX ,  XXXX .     Based on the evidence provided and  NFCU  correspondence dated  XXXX   XXXX ,  XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit.      XXXX   Response  :  Dated   XXXX   XXXX ,  XXXX , states The customer also received credit in the amount of {$50.00} for the  XXXX  + for the original watch to the original form of tender. Also stated There is no record of the customer returning the  XXXX  Watch  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Ny.      Rebuttal  : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same  XXXX   XXXX   XXXX   Watch.  Simple question for  XXXX  is to show where I have been reimbursed for the remainder of the  Online Credit  {$470.00} minus the {$50.00}  (  which was refunded correctly to original tender ) of {$420.00}.     The evidence provided shows clear and unmistakable error by  XXXX  for non-refund of a returned  XXXX  product in accordance with  XXXX  Sales and Refund Terms and Conditions listed under  XXXX  tandard Return Policy  XXXX  Watch Returns.      My expectation is for  NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned  XXXX  product. If this action is not resolved based on the evidence provided I will seek resolution from the   Consumer Finance Protection Bureau ( CFPB ).
Your assist  ance in this matter is greatly appreciated.
Product: Mortgage

I keep trying to make mortgage payments but the bank ( PNC ) keeps telling me the payment is not going through because my account number on the checking account the funds are being drawn from has a " XXXX '' missing out of the account number. I re-enter the account number every month that I pay on the PNC website, and the same thing happens ... .the payment does not clear my bank and PNC tells me I entered the account number wrong because it is missing a " XXXX ''.. This has been going on for months and PNC keeps charging me late fees. They act as if I don't know how to count! The problem is in their software system because when I go to re-enter my account number on their website a drop bar appears " SHOWING MY CORRCT NUMBER WITH ALL THE XXXX 'S IN PLACE. So I simply click on that drop bar and the account number appears as a line item. I confirm it again and everything goes through the system and is entered into my PNC mortgage account data. But when I click on " pay '' somehow the PNC software kicks out one of the " XXXX 's '' and and days later I find out the payment did not clear my checking account. I tried the whole process again this month but this time I took pictures of each stage! I have attached pictures of whole the process to add an account number for payment with the PNC website. As you can see in the " add external account '' attachment, it clearly shows my external account number with all correct numbers, and it is in their system already because it appears in the drop bar as soon as I enter the 1st digit of the account number. The correct account number has four XXXX 's. It starts with ... XXXX. PNC tells me it starts with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of XXXX XXXX XXXX, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. 
Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of XXXX XXXX XXXX. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. 
XXXX I received a copy of my credit report from three credit bureausXXXX XXXX  and Equifax  . On the Equifax credit report, I again see the fraudulent XXXX XXXX XXXX account. 
At this point, my rights have been violated. 
According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both XXXX XXXX XXXX and Equifax failed to adhere. 
According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both Equifax and XXXX XXXX XXXX have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, XXXX XXXX XXXX violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.
Product: Debt collection

For the past two years I have been treated unfairly by a debt collection company named Lockhart, Morris and Montgomery. Initial contact started in XX/XX/XXXX for an account that was closed out back in XX/XX/XXXX. I explained to the company that it would take time to find the documentation showing I cancelled before the 10 day grace period listed in my contract. I did ask for the original creditor 's information because I tried reaching out via email to the person who contacted me via email with the contract, as I replied to their email to cancel back in XX/XX/XXXX, fast forward to XX/XX/XXXX that email address is not working, the debt collector would not give me any contact information. So when I produced the documentation showing I cancelled in XX/XX/XXXX ( and received a reply from the company acknowledging receipt ) a male representative at LMM ( would not give his name ) told me that I did not provide the right type of cancellation (? ) and he still considered the debt valid and would not removed it from my credit report. In addition, I was told by LMM that they have the right to pursue the debt regardless of any cancellation proof I produce. I questioned LMM if I was delinquent, wouldn't the original creditor have posted the account on my credit report back in XX/XX/XXXX? There was never any filing of such an account. Then I said well if you are posting this account as a valid debt ( which it is not ) why did you reage the account to XX/XX/XXXX versus the original XX/XX/XXXX date? The male representative stated they are able to post as of the date they received and it's not consdiered reaging (? ) I have recently found the company, as it went out of business and now it's renamed ... ironically I found the company on the XXXX XXXX XXXX  's website and the company has issue with contract issuance, misrepresenting themselves as XXXX & other companies, as well as unfair billing practices. I emailed the company ( need everything in writing with these shady characters ) and I have yet to receive a response, the company has a 2 star rating on XXXX and a D+ rating on the XXXX  website most of the complaints are for being unethical. Please help, report a debt that does not exist is illegal, unfair and deceptive collection practices is illegal, reaging an account is illegal, not honoring a cancellation request and trying to collect on it 3 years later is illegal!
Product: Debt collection

I'm writing to alert you about a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have significant doubts about the validity of the claimed debt. Exercising my rights under the Fair Debt Collection Practices Act, I formally request debt validation. Please provide the necessary validation and take appropriate steps to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).
Product: Checking or savings account

I tried to open an account with XXXX and link to my PNC Checking account
Product: Credit card or prepaid card

On XX/XX/2020, I accessed my Chase Marriott Rewards card online. My credit limit had been reduced from {$25000.00} to {$12000.00}. I contacted customer service at XXXX. I was told a letter was sent out in XX/XX/2020 advising me of the change. I told the rep I never received the letter. I told the rep I have a XXXX credit score on average and have an impeccable credit history with them so why do this to me. I asked they increase my limit back to {$25000.00} given I didn't receive the notification and that it was possible with everything surrounding Covid-19 I should be given the benefit of the doubt. They said the only way that would happen is if I re-applied for the credit increase. I told them to cancel my card if this was how they were going to treat a customer of more than 15 years and they said no problem and cancelled my card. I believe this action was not warranted given I contacted them in a reasonable period of time and my argument was valid and true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate the account ( A ). It is not permissible to fail to validate the reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : ACCT # XXXX I've uploaded documents showing evidence I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Product: Vehicle loan or lease

I traded my 2015 XXXX XXXX lease two month early of contract for a new 2019 XXXX XXXX lease. Infiniti of XXXX XXXX the Dealer promised to waived the last two payments on my 2015 lease per the program offered at IFS. I received a bill for the two payments from Infiniti Financial Services for the two payments left on my lease. I contacted both IFS and the dealer to explained that I was promised this would be waived if I trade my two months early of contract. The dealer Infiniti of XXXX XXXX Finance Manager and Infiniti Finance Services personnel both agreed that it was a mistake on their part and that I was NOT responsible for this balance. Two months, nothing was done, I received notices from Infiniti Financial Services demanding payment for the balance. I contacted again, both the dealer and IFS to find out why they still did not process the waiver for the two payments. I was told every time that is being handled by a different personnel or department and not worry about. Three months later, I received a collection notice from a third party collection agency that my account was in default. I contact Infiniti Consumer Complaints and was told someone will handle my account XXXX. Nothing has been done. Every single time, I get transfer to someone new. The General Manager at Infiniti of XXXX XXXX continues to blame Infiniti financial and stating that they are suppose to waive the two payments and that since this was not been done that he will have their accounting department send a check to pay off the balance. Another 30 days go by, nor the dealer or Infiniti Finance Services have done what they promised. Now whenever I contact the dealer Finance manger or General Manager I get a voice mail. Infiniti Finance Services and the Dealer have been giving me the round around for almost 5 months. My account still shows unpaid and now in a third party Collection Agency.
Product: Credit card or prepaid card

I tried to make a payment at an atm on XX/XX/2020 for {$130.00} and the atm took my payment and gave me a receipt with a number to call. The is interesting due to I took payment from one credit before I tried to pay and I " also '' have proof of this transaction as well. 

The encounter was at bank of america atm on XX/XX/2020 at XXXX XXXX. The location was 8 mile & XXXX in XXXX Michigan. The receipt # XXXX. I had to wait for 2 billing cycles and was told I would have an answer by XX/XX/XXXX. They implied not to pay my card until the problem was resolved and I would have had late payments on my credit file by now. 

Please have to issue my payment back to my card and wave interest charges for one month because I had to pay interest on coming up with the payment to repay the payment that was taken. We should not have to wait two months on something that was not a customer fault especially during XXXX time. It is a really unfair method.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX & 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

RE : SPS Select Portfolio Servicing Inc Acct # XXXX I am requesting that you look into SPS Select Portfolio Servicing Inc regarding adhering to FHA loan guidelines considering our Freddie Mac loan. I have had nothing but problems going back years ever since XXXX and XXXX XXXX XXXX. 

Due to recent turmoil in our lives we reached out to our new mortgage loan provider, SPS, after our loan was transferred from XXXX XXXX aka XXXX, for assistance. I submitted all documentation requested to SPS regarding our mortgage, via both email and regular US mail. I tried calling on numerous occasions leaving voicemails, sending emails to our contact at : SPS Relationship Manager XXXX XXXX XXXX Ext. XXXX or by email XXXX After weeks of no communication from SPS, I finally receive a letter dated XX/XX/XXXX stating that we are approved for a trial period plan to modify the lien. This trial period doesnt assist with getting down the payment due to both job loss and the Coronavirus nor does it show us exactly what the modification would be. Immediately I called our relationship manager and for the first time I got thru and spoke to an actual person, XXXX XXXX. 

I must say in all my years of dealing with customer service, this agent XXXX XXXX, was rude, unprofessional and gave me no options but dispute this decision. I asked her about the Cares Act and other options, and she said all I could do was dispute the offer. I was dumbfounded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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