23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have filed with the CFPB and all of the credit reporting agencies. This company needs to be shut down! They have ruined my credit with this continued fraudulent reporting to the credit bureau. It does not matter that they keep apologizing and removing, the damage is done. I want to file against this horrendous unprofessional company for damages. I have proof that I was placed in the LTAP program in XXXX after my father passed and put on automatic draft payments. It had become debilitating to have to make complaint after complaint and I am stressed to XXXX XXXX of physical illness. I am in the process of trying to qualify for a home so that my Mom can come live with me. She has short term memory issues and it has become a better option that she live with me. I went to my XXXX XXXX to start the process of a home loan and had no idea that SST had again reported me to the credit bureau! You'd think as many times as they have made this mistake and with all of the notes attached to the account it would be flagged not to do it yet again. I have been on the phone all day trying to get to the supervisor who fixed the issue the fourth time it happened. I called for her a few weeks back and never got a call back. Today I was connected to the most unprofessional supervisor ever XXXX XXXX who overtalked me, was insulting and said it they are backlogged and running behind completing the LTAP program and even if my payments are set up for automatic draft they XXXX not have been deducted correctly because they are running behind and someone should have called me and they didn't???/ but I have proof that mine was set up in XXXX and that they actually did start deducting XXXX from my account in XXXX and sent the proof months ago when this nightmare started! I also have the conversation when the SST agent set me up for the program and started my auto draft and all of the subsequent conversations. Please Please help me get my account away from this company. I have to get my credit report corrected immediately. 
This company has to be shut down. Please google them!
Product: Checking or savings account

I used to have a gym membership at XXXX XXXX XXXX XXXX, TN that charged {$19.00} as a direct ACH debit to my bank account monthly on the XXXX. 

As I was moving, I used their online form to contact them on or around XX/XX/2023 to notify them I'd like to cancel my membership, which was a month-to-month no contract membership. They did not cancel my membership and I was charged 2 more times, XXXX and XX/XX/XXXX. Calling their phone number results in a voicemail box that does not get returned. 

I contacted Chase in order to get the unauthorized charges back and to ensure that I don't receive any more charges from XXXX XXXX. One department at Chase filed returns on both the XX/XX/XXXX and XX/XX/XXXX charges and then transferred me in order to place a stop payment. 

Once transferred, the Chase employee told me it would be {$30.00} to place a stop payment on the withdrawals from my account. Chase is effectively telling me they will continue, every month, to allow unauthorized charges to my account unless I pay a fee to them to stop the unauthorized charges. Now I am tasked to not only be extorted by the gym that won't cancel my recurring membership for $ XXXX but also by Chase who their customer service supervisor told me I would have to call the claims department every single month in order to have them file a return on the ACH and wait 2-3 business days for the funds to be returned to me, all because they refuse to waive a {$30.00} fee to stop *unauthorized charges*.
Product: Debt collection

I am glad to keep good records because there are company that attempt to collect bills multiple times. 
Today, XX/XX/XXXX I received a collection letter From XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX attempting to collect {$30.00} on behalf of XXXX XXXX XXXX XXXX for services rendered on XX/XX/XXXX. 

I paid this amount on XX/XX/XXXX in full and I have a receipt from my bank. I will send the collection agency copy of this complaint and I hoping that such agency before sending unfair and deceptive collection letter verifies that the amount is indeed owed. For someone that does not keep good records the consumer is forced to either to pay again and risk negative reporting to consumer credit reports. 

Despite the efforts of CFPB it appears that entities such as debt collectors continue to engage in unfair and deceptive acts and Practices.
Product: Debt collection

This company, XXXX XXXX XXXX XXXX is calling me several times a day and emailing me after I asked them not to. I also told them " they only needed to contact me once. I know I owe them, but the calls and emails are excessive.
Product: Credit reporting

I found out on XXXX 2015 that I was a victim of identity theft. Upon further investigations on my own, I came to realize that this " entity '' that had stolen my identity apparently used a suffix in my name, " XXXX ''. I of course have notified all three reporting agencies and Equifax is still yet to permanently update this information and block the " XXXX '' from reporting to my credit report. My legal name is XXXX XXXX XXXX. I have on ( XXXX ) occasions uploaded the following to support my legal identity : US Passport, current Drivers License, Social Security card and certified copy of birth certificate. As of today, they still claim that this request is still processing after almost 9 months of my disputing. Please note that both XXXX and XXXX are accurately reporting my legal name. Whereas, Equifax has yet to do so. Because of this, I am unable to verify my identity with anyone to establish credit whether with utility companies or any other type of potential credit. At this juncture, this is very harmful to my life.
Product: Student loan

I have had several issues with my student loan servicer FedLoan pretty much since they took over my loan, including a related complaint I filed with CFPB, Case number : XXXX. I tried to reopen that case since this complaint is related to those same loans but I was unable to so I 'm filing a new complaint. <P/>The latest issue is that in checking my account balance online on X/XX/17 to verify Public Student Loan Forgiveness ( PSLF ) payments I noticed that there was a " Unpaid Interest '' amount that I had not seen before in the amount of {$250.00}. I verified that on the bills I had been sent the past year never included this amount on the bill in either the breakdown of the the principal or interest or was included in the amount due for that month. Since I had always paid my bill in full, I was unclear why I had any amount that would be unpaid. I emailed Fedloan through their websites ' online system and I received a response via email on X/XX/17 and their email did not address my question of why I was never informed of this amount and why it was never included in my monthly payment due amount? I was also concerned that it would effect my PSLF payments, since I had been paying my billed amount fully but apparently there was always this unpaid amount on my account that I did n't know about. <P/>I have attached copies of : 1. The receipt of email to FedLoan 2. A copy of its response 3. A copy of my XX/XX/XXXX bill which shows that the " unpaid interest amount '' is not reflected 4. A 12 month history of my payments which shows that I have paid each month fully according to what was billed as due and which shows that this unpaid interest amount was never included. 5. A screenshot from XXXXX17  which shows that there is still currently an amount of unpaid interest.
Product: Debt collection

I have been battling with Citi in regards to an account listed on my credit report without any knowledge of my own. On several occasions, I have attempted disputing this account with Citi asking for verification of debt, however no one within Citi would comply with the Federal Government or with the Federal Trade Commission that regulates the Fair Credit Reporting Act as well as the Federal Fair Debt Collection Practices Act Section 809 ( b ), which plainly states " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Citi is considered the debt collector and letters were sent to their CEO/CFO between XX/XX/2021 and XX/XX/2021, asking for such debt to be verified and they have failed to do such. Only until my most recent conversation had with their Executive Response Unit Representative XXXX, whom agreed to finally send verification of debt after payment was rendered ; so in a sense, I was corned or made to negotiate matters without the debt being properly verified. I have disputed such with all three credit bureaus and neither except for XXXX, have vouched on my behalf to have the account appropriately verified prior to payment being initiated. The Executives or Executive Management Team, have no knowledge as it relates to debt requiring to be verified per the Federal Law that mandates such, prior to any debt being settled. What they have done is completely illegal. This account needs to be permanently deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I feel like I was Scam. When I disagreed to the charges I asked for a copy of my agreement with the company. The signature on the agreement was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM XXXX REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO XXXX ON MY BEHALF. STALLING AND GUILTY!
Product: Debt collection

I hello I sent an email to XXXX  on XXXX XXXX that gave my number to the debit collection agency Me and my aunt who was on the lease let them know that we was trying to pay the debt off the lady on the phone with the collection company I was trying to pay it off but she gave me a fake email to a dispute department that never emailed me back or called me back this was on XXXX XXXX after this my aunt received a letter in the mail say she didnt have to pay the balance this she received that paper back in XX/XX/2021 but they are still pursuing me even after the disputes they garnished my account XX/XX/2021 I have XXXX kids XXXX, & XXXX I have to take care of and I can barely take care of them by myself since covid 19 hit I receive food stamps an Medicaid for myself and my kids the money they took out my bank put me more In debit they never told me I could do a dispute I would have been able to pay 10 % I told the lady over the phone this before she gave the fake email I also sent an second email I attached all the emails to this letter
Product: Debt collection

The Account listed below is a complete violation of the NO SURPRISE ACT Delete the account immediately
Product: Checking or savings account

I tried linking my account to another financial institutions site and PNC blocked my request.
Product: Checking or savings account

As of now, Bank of America refuses to issue my refund of my account as they said that the check I deposited was fraudulent. In fact, I deposited the same check with them back in XXXX and they will not give me any kind of statement as to why they are taking so long on my refund. Each of the customer service people have refused to give me any kind of statement and they keep changing my date on when my account will close. I still keep getting bank statements and it has my funds, but I can't access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting creditors have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 second 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my worries instructions.
Product: Credit card

WE HAVE SEVERAL ACCOUNT WITH THIS COMPANY WE HAD A FAMILY EMERGENCY MY DAD PAST AWAY I CALLED EVERY ONE OF THERE CARDS AND TOLD THEM THAT WE WILL BE OUT OF WORK AND OVER SEAS AND WAS PROMISED NO LATE FEES WILL BE ASSESSED BUT THEY DID AND REPORTED ME TO CREDIT BUREAU AS LATE WHICH RUINED MY CREDIT SINCE THEY HAVE MOST OF MY ACCOUNTS
Product: Debt collection

Independent Recovery Resources has placed a collections account on my credit report for XXXX XXXX. I was never to XXXX XXXX. My ex husband took my son there and XXXX XXXX did not submit to my sons medical insurance correctly and therefore did not get paid. By the time I.T was realized, too much time had passed and therefore they could not collect from the insurance. I sent XXXX XXXX XXXX the letter from the insurance carrier proving that I.T was not submitted correctly. There are two accounts from XXXX XXXX with Independent Recovery Resources. They only removed one account from my credit report. I have called over 20 times in the last 3 months requesting someone to call me back. I keep being told that the manager is handling the account. I have requested to have a letter sent to me about the removal of the one account, but once again nothing. I can not believe that this company can completely ignore my requests. I am not the medical insurance holder and I have never signed anything or even walked into XXXX XXXX. How can this company ruin my credit and not even return my phone calls. I honestly do not know what else to do to get them to return my phone call and remove the account from my credit report that is not mine.
Product: Credit reporting or other personal consumer reports

I have these hard credit pulls that I did not authorized in my XXXX credit report ALTISOURCE SOLUTIONS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have a vehicle financed through Santander Consumer. And my payments are {$450.00} per month... .and only XXXX cents is being applied to the principal per month. This is very disappointing and should be illegal in California. I purchased the vehicle XXXX XXXX. Please help me comprehend this loan agreement?
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX requested authorizations ; verified by additionally attached CFPB XXXX XXXX XXXX SUMMARY Complaints and Responses. The XX/XX/XXXX attachment authorizes the XXXX XXXX XXXX. The XXXX XXXX XXXX is required by law to contact XXXX XXXX by emailing XXXX the following : 1. Date, time and address of the alleged debt transaction ( s ) 2. Copy of written ( contractual ) authorization of the debt transaction ( s ) 3. All billing ( s ) to health insurer XXXX 4. All XXXX payment denial ( s ) of all billings 5. Copies of all prior billings, disclosing date and method of billing ( s ) delivery to XXXX XXXX and XXXX XXXX 6. All medical records related to these transaction ( s ) 7. Name and address of all prior collectors that have been used to attempt in collecting the alleged debt ( s ). 

XXXX XXXX has never been emailed, XXXX as XX/XX/XXXX authorized. 

In response to the XX/XX/XXXX authorization XXXX XXXX XXXX in haste harmed XXXX XXXX by intentionally decreasing attached ( XX/XX/XXXX XXXX credit score ) credit score XXXX ; knowingly increasing borrowing cost. XXXX XXXX XXXX is expected to immediately confirm to CFPB and by emailing XXXX that it has notified XXXX of the inaccurately of its adverse information ( attached : XXXX XX/XX/XXXX credit report XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX is requested to email XXXX if XXXX and Equifax have been advised of fact in the attached XXXX XX/XX/XXXX credit report XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made no adverse/negative XXXX XXXX comments to Equifax and/or XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made any adverse/negative XXXX XXXX XXXX XXXX XXXX, Equifax and/or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both Equifax ; XXXX and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Capital One via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance  on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to  the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Product: Credit reporting or other personal consumer reports

I demand that you delete account XXXX XXXX XXXX XXXX immediately. Under FCRA law you are not allowed to reinstate a previously deleted account onto my credit report. Plus you never notified me that you were re-instating the account. This is a clear violation of federal law and you must delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureau and to the creditors listed below and filing several complaints. Transunion is still reporting these inquiries on my credit report from the following places. 
1.XXXX XXXX-XX/XX/2018 2.XXXX XXXX-XX/XX/2018 3. XXXX XXXX-XX/XX/2018 I have contacted each of the companies as directed by the credit bureaus and was directed back to transunion in which they have failed to provide any signatures or contracts or any proof of evidence that what they are reporting is accurate and or that it belongs to me and instead of removing and ignoring my disputes they send me the letter that I am attaching to this complaint. Also transuion has violated my rights and refused to even mark these inquires on my report as disputed. This is my 4th letter that I have now send them certified with postal tracking number XXXX XXXX XXXX XXXX XXXX. 
It is clear that the ALLEGATIONS IS UNPROVEN In all aspects of its reporting and I requested that these inquiries be deleted immediately.
Product: Credit card or prepaid card

care credit through synchronicity was offered to me for XXXX XXXX XXXXXXXX in XXXX XXXX and offered a 12 month 0 interest option ... there needs to be regulation for heath care related loans where the interest rate doesn't balloon to 29 % if the balance isn't paid by the interest free period ... if they're going to get away with this perhaps a 4 % flat interest rate unless the balance divided by XXXX isn't satisfied each month? it seems extremely preditory and would take something like 4 years at their minimum payments to close out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR USAA. XXXX  has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 XXXX  Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. XXXX  has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.