23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a single mother and I have had trouble making payments since my divorce. I have called several times and each time they give me the run around and tell me that I can afford XXXX from each lender. I only bring home XXXX and after I pay all of my main living expenses I am left with XXXX for the month to buy groceries for me and my children and gas to get to work. FedLoan told me that there is nothing they can do to help me that my account will just have to default. Then they proceed to tell me that they do not do wage garnishing until it is delinquent XXXX! Everything I have researched and my XXXX lender have told me XXXX. I told them that I was in the process on consolidating and I just did n't want the account to start wage garnishment before this is final. I have nothing else to give them and they will not take in consideration that I have children to feed. They just tell me there is nothing else they can do. I told them I will even pay each of them XXXX a month and they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX Mortgage Companies XX/XX/XXXX -XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XX/XX/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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

Over the past 4 months, I have received multiple promotional offers from my credit card called Sears Thank You from Citi. These offers vary in type but all are promises to award multiple points upon making a certain purchase level. 

To date, I have received no promotional benefits despite increasing my usage of the card significantly ( at the expense of bonus points I would have earned with other credit cards ). There is no way to see online what offers are active or my progress towards achieving the bonuses toward each offer. I feel its a really deceptive program- it entices you to make purchases toward reward points but you never really know what programs are active or progress toward any of them. They are counting on people not keeping track and just simply making more purchases without having to pay out the reward. I feel this is the equivalent of an unpaid rebate which there are laws against. 

Its a XXXX company and I am canceling my card but wanted to register a formal complaint so others aren't duped like I was for the last 4 months.
Product: Credit card

I have repeatedly asked American Express to stop calling, stating CEASE AND DESIST as I am filing bankruptcy and they continue to harass me, calling my cell phone and landline multiple times a day, often showing up as Unknown or Private Caller.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$23000.00} with a substantial interest rate. Throughout the life of the loan I had extended 8 monthly payments and was never told there would be any type of a balloon payment at the end. In XXXX I was informed I would owe approximately {$9000.00} on XX/XX/XXXX, maturity date of the loan. After several conversations and requests for the payment history, which I was never provided, they said there was no option but to pay due to how interest is calculated. I understand how interest works and is calculated but never was it explained that there would be a " balloon '' payment at the end of the note. Even if I take the 8 payments that were extended, that would only total {$4700.00}. As of today, the payoff is {$8700.00} which I am told I have no choice but to pay and if not paid by XX/XX/XXXX they will report negatively to my credit. 

I do not understand how a balloon payment of such a significant amount can be legal or reasonable for someone to come up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested bill of sale from Westlake Financial from where they sold the car i had. They repossessed after agreeing to a partial pay for one month. I have only gotten the bill, no XXXX  where sold or any other items.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer idnetifies as information that resulted from an alleged identiy theft, not later than 4 business days after the adte of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM **** This is so unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XXXX XXXX XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My financial information has been identified as being part of the data hacked from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one com pany. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry,  Negligent, Defamation, Please advise me on this matter..      Sincerely  XXXX   XXXX
Product: Credit card or prepaid card

date : XX/XX/18 Chase bank will not release transactions occurring in the pending pay period with basic documentation ( name + last 4 digits of account number ). They require 7-day turn around time to release this information. 

The impact this has to me personally : I have a {$5000.00} business expense that I am unable to get reimbursed for an additional 30 days. Based on timing, this will force me to either pay the {$5000.00} credit card bill with my own funds without my company 's reimbursement or pay additional APR.
Product: Credit reporting or other personal consumer reports

Pursuan

t to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 15 U.S. Code 1692c Communication in connection with debt collection. 15 U.S. Code 1692g Validation of debts. 15 U.S. Code 1681e ( b ) Requirements relating to information available to consumer reporting agencies.
Product: Mortgage

Mr. Cooper/Nationstar Mortgage is my mortgage servicing company - loan from XXXX homebuilders and transferred to them. I received a letter from the county treasurer that my property taxes were not paid in full for XXXX i contacted them repeatedly to pay my taxes given the escrow account has plenty of money in it. I was told to email the tax department, i emailed them with the statement of underpayment and fines, they sent me a canned email saying they would address in no more than 8 days. It has been two weeks so i tried again. same thing when i called the company and taxes still not paid. there must be some rules around paying taxes in a timely manor.
Product: Debt collection

I was not aware that there was any debt owed. This was a telecom bill that my previous company was supposed to continue paying since the phone was shipped back to that employer. They failed to pay the bill and it is now on my credit report. I am trying to resolve this with the company in the meantime. 

I did not receive any communications regarding this issue before it hit my credit report from either XXXX or this collection company, Diversified Adjustment Service XXXX Inc. XXXX Debt Collection Agency. I asked them for a written statement via email on XX/XX/XXXX and I have not received it yet. I called again on XX/XX/XXXX and they said it was not yet available. I don't understand how they have enough paperwork to submit this to the bureaus but do not have the documentation to send to me while it is negatively impacting my report. 

Additionally, they reported this twice to the bureaus and I understand this is illegal. 
I called XXXX about this duplicate debt being reported on XX/XX/XXXX and they confirmed, they do not report to the credit bureaus, this is completely outsourced to debt collectors. It appears this company is using XXXX XXXX business name fraudulently, so they can report the debt twice.
Product: Credit card or prepaid card

Hello, I am writing in to submit a complaint on the record that I, XXXX XXXX XXXX, logged into my American Express Account Portal at approximately XXXX PST today, Friday, XXXX, XXXX, 2020, at which point I opened the customer service chat and started copying my chat history for recordkeeping purposes. However, before going and copying my chat log, I sent a preemptive message to the representative that Amex 's syaytem ( for which each automatic action has the possibility of human intervention and constitutes a count of criminal and civil harassment ) automatically connected me to ( despite my previously expressed desire vis -- vis official written and verbal affidavits that they not connect me to these people in the first place ), letting him ( the rep ) know that any messages and/or attempted communications form him and/or other reps would be considered civil and criminal harassment. I repeated this statement ; and, this gentleman continued to engage me, even going as far as sending a passive aggressive message and immediately ending the conversation directly thereafter, so that he could have the last word. This is the type of pettiness that I encounter from Amex 's employees on a daily basis. 

Please see the attached proof, as well as the XXXX documentation verifying my communication limitations and need for special accommodations when I am under increased states of stress, particularly when there is a once-in-a-millenium pandemic occurring and corrupt financial institutions falsely reporting my debt. 
Please keep in minds that : the only reason I currently need these accommodation is because of Amex 's continued legal malfeasance ; and, the reason I can not get them is also due to Amex 's continued legal malfeasance ( and their refusal to listen to the basic facts present in a situation - if a person tells you they dont want to hear from you, especially vis -- vis sworn statements, that means do not message me in any form - this is the legal definition of a cease and desist, and you violated that many times in the past few months, not just today ). This will count as additional intangible compensatory damages, loss of consortium, harassment, and negligence/breach of contract, and I will make attempt to make criminal charges stick wherever they are appropriate. Please also reference the past chat logs that I have recovered and have attached to this complaint. These logs contain many records of these instances of abuse, neglect, refusal to provide reasonable accommodations, and many other acts of malfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2020 Suntrust closed my account. On calling them, they admitted that they had closed the account by mistake, and promptly reopened the account, and established the same balance. 

However, online banking was not re-established. I have tried countless times on the call center to have online access re-established, the last time today, speaking to a Ms XXXX. She, and all previous agents, claim that they have insufficient information to be able to create online access. 

I appreciate that the bank must establish my identity when calling, and I am prepared to assist with this process, whatever means necessary. However due to COVID travel restrictions, I am unable to travel to a Suntrust branch. I reside in XXXX XXXX, at the address which the bank has on record. 

All communication regarding this matter was on the telephone, Suntrust does not offer an email helpline. Therefore, I have no supporting documentation to attach.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX stating a credit inquiry was added to my credit report on XXXX. XXXX 2020 by " Syncb/Paypal. '' I do not recall or have any knowledge about is. 

Before I jump to fraud I wanted to find out more about this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a Complaint to XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of a violation of my consumer rights by Equifax. Upon reviewing my credit report, I noticed several hard inquiries that were made without my consent or authorization. Specifically, on XX/XX/XXXX, there was a hard inquiry by XXXX, on XX/XX/XXXXXXXX there was a hard inquiry by XXXX, and on XX/XX/XXXX, there was a hard inquiry by XXXX. 

These hard inquiries were made without my knowledge or consent, and as such, have violated my rights as a consumer. Pursuant to 15 USC 1681a ( 2 ), I have the right to be informed about the nature and scope of the investigation conducted by Equifax. Pursuant to 15 USC 1681a ( 3 ), I have the right to know the sources of information used by Equifax in compiling my credit report. Pursuant to 15 USC 1681a ( 4 ), I have the right to be informed of any person or entity that has received a copy of my credit report within the last year.

Additionally, pursuant to 15 USC 1681a ( b ), Equifax has a duty to ensure that the information in my credit report is accurate, complete, and up-to-date. However, these hard inquiries were made without my knowledge or consent and have resulted in inaccuracies on my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ), Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ), Equifax is required to conduct a reinvestigation of any information disputed by a consumer and to modify or remove inaccurate or incomplete information.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( b ), I have the right to request that Equifax reinvestigate the accuracy of the information contained in my credit report. As such, I have already written a letter to Equifax requesting that they investigate the inaccuracies resulting from these unauthorized hard inquiries.

I am deeply concerned about this violation of my consumer rights and request that the Consumer Financial Protection Bureau take action to ensure that Equifax is held accountable for their actions and fully deletes the hard inquiries that are reporting inaccurately.
Thank you for your attention to this matter.
Product: Credit card

I purchased a XXXX XXXX XXXX Party tent XX/XX/2016. I did not put this up until late spring, as it was to used in the summer. Once up, it fell down 3-4 times, with the poles each time bending and basically getting to the point of being able to be unfixed. I contacted Walmart.com for assistance and was told XXXX different times, my card would be given a refund for this purchase while they contacted the company it was purchased through to allow me a " Simple '' solution to returning this, as I live in XXXX state and it needs to be shipped to XXXX. I was never given information on returning this and never had any idea I could not return this to a local store. After going over 5-6 weeks with no answer and no return, I called Walmart.com again asking for assistance. NOW, they transferred my complaint to the company this shipped from and I was told this was past the date of being able to be returned. I am LIVID! I was put on hold with no answer to this problem for over 2 months and now I get this?? My order number was XXXX and the purchase price was {$120.00} plus tax. I want this off my credit card and personally think I deserve more at this point, as I have been a loyal customer of Walmart for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is reporting a late for Capitalone account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint Capitalone and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Open Date : XXXX XXXXXXXX XXXX  Balance : {$0.00}.