23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2019, I tried to use my Arvest debit card to purchase about {$50.00} worth of groceries from a local market. My card was declined. I called Arvest and was first asked for the last four digits of my Social Security number as well as a recent transaction amount on my account. After about 20 minutes of waiting, I was told that my debit card had been reported stolen by someone who isn't even listed on my account and was not pretending to be me. I was told this person had reported my card stolen on XX/XX/2019, about five days previous to this. 

I was not informed of this incident via telephone, email, the bank 's online messaging system, nor in the mobile app. I was told that this person would not only need my Social Security number and recent transaction information, but would also have to know my bank account number and my debit card number. This is all quite impossible unless perhaps you work for Arvest Bank.  They are the only institution that would have access to all this information. 

My main complaint is how a bank would allow a person to call and make any changes to someone else 's account without the account holder 's consent. I believe this was an error by the bank to close a legitimately stolen debit card but accessed my account by mistake. This is especially likely since I had been informed the that person who made the report shared the same last name as myself, but whose first name I do not know. I believe the bank simply searched on the last name without getting any verifying information on the caller, found my account and closed my card.
Product: Credit card

Date of transaction XX/XX/year> Merchant XXXX Amount {$1500.00} XXXX started a dispute with my Chase card for a charge by XXXX for XXXX XXXX, a hotel located in XXXX XXXX in XXXX. The hotel refuse to refund my charge without insurance although their policy states in case of a hurricane, refunds are allowed. ( picture of part of policy attached ) XXXX XXXX hit the same weekend of my booking and flights were not allowed into the country. Chase.com investigate but said too much time pass from date of dispute so the merchant is not required to credit me back, although i started the dispute months ago. I felt the result was not justified as i did not get any service for the charge and it was due to a major disaster that we had to cancel and they should be more understanding since it was such a huge charge. Please consider my case and reinvestigate as their hurricane policy is on their website. 

Thank you!
Product: Student loan

My loans are through a company called American education services. I believe I took out the loan for XXXX or XXXX XXXX, in 2008. Since then I have paid {$35000.00} back of the loan. {$25000.00} of that has gone towards just interest. And I still owe {$56000.00}. They are charging me a crazy amount of interest. Ive been trying to pay, but am only paying the interest portion and drowning in this loan. And they told me they werent following the no interest for Covid, so I have been paying my loan and the interest for the past 1.5 years. In one month I paid {$1000.00} towards my loan, and all but {$100.00} went to interest. This is insanity and Im desperate for help! I have called the company, spoke to managers. They tell me my loans are private and no actions can be taken, but they are FFLEP parent plus loans. And my school closed down and the school was found fraudulent, so I was hoping for some sort of help.
Product: Credit card

American Express turned us over to collection agency after we had been paying them in which they agreed to accept the XXXX a month and accepted the payments. I paid them off on XX/XX/XXXX and they cancelled my account, turned it over to a collection agency and they reported to credit bureau closed and unpaid on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The account associated with this CAPITAL ONE AUTO FINANCE repossession shows significant inconsistencies across my credit reports from XXXX, XXXX, and XXXX. These inconsistencies include : * **Payment History : ** XXXX reports no payment history, XXXX reports a repossession in XX/XX/2024 and a charge-off in XX/XX/2024, while XXXX reports an on-time payment in XX/XX/2024 and a repossession in XX/XX/2024. 
* **Account Type : ** XXXX and XXXX report the account as an installment account, while XXXX reports it as an auto loan. 
* **Original Balance : ** XXXX and XXXX report an original balance of {$39000.00}, while XXXX reports no data for this field. 

I have requested clarification on several aspects of this account, including : * Details regarding the vehicle 's repossession and sale, including the date, auction sale price, and any information related to Gap coverage or claims. 
* A copy of the original signed agreement to verify the accuracy of the reported information and ensure that the repossession adhered to the terms of the contract. 

I believe these discrepancies are negatively impacting my credit score and overall financial well-being. I kindly request your assistance in resolving these inconsistencies and obtaining the requested information.
Product: Credit card or prepaid card

Discover Card Still showing after bankruptcy, I have tried contacting Discover directly and used a credit fix company.
Product: Debt collection

XXXX received call from XXXX from XXXX XXXX XXXX. Robocall Trying to collect on an alleged auto debt from 2011 that was either put in a bankruptcy or is just time-barred from collection as 5-yr statute of limitations had passed. I called the number they told me to call : XXXX. The rep on the phone said his company is trying to serve me with papers for court from Santander over a supposed debt from XXXX. I told him about the bankruptcy. He said good luck in court and hung up. 

XXXX got another call from XXXX and told them the same thing. He said the robocaller is going to keep calling till my info is removed ; and Im still getting served papers for court. No court case info or anything. I called the XXXX County Clerk of Courts. They have nothing at all for my name. What are my options?
Product: Student loan

Non delivery of transfer. Incorrect aand insufficient information. Billing error resolution requested.
Product: Credit card or prepaid card

I have been a long time customer of Continental Finance regular  XXXX. In XX/XX/XXXX, I set up automatic payments for over double the amount due ( {$35.00} ), in the amount of {$75.00}. This went along fine until XX/XX/XXXX when for some reason UNKNOWN to me the company changed their statement date. This somehow altered my due date, which began the string of late fees charged to me from XX/XX/XXXX through today, XX/XX/XXXX totalling {$170.00}, plus the interest -- plus they are also reporting me to the credit bureaus as being late. I manage this card online and since I had the double autopayments going out each month, and I rarely use the card and keep a small balance, I never thought to look more closely at my statements. This late fee kept accruing even though I made double payments regularly each month on the XXXX. Today I spoke with XXXX XXXX at Continental Finance. It took her some time to figure out what happened then she explained to me about the statement date changing in months with 31 days. I could not believe this explanation or this policy. She said she handed this over to her floor supervisor XXXX XXXX who told her there was no way they would pay all these late fees back. should would not let me speak with XXXX XXXX nor would she give me any contact information for him or XXXX XXXX, but did give me the fax number : XXXX. Here is the main customer service number for the company : XXXX I am attaching copies of transaction details as well as my autopayment setup and list of autopayments and when they occurred. At this time I do not know if I will be refunded anything, or if their credit reports will be withdrawn.
Product: Credit reporting or other personal consumer reports

Credit reports are showing a negative credit card account for XXXX XXXX. # XXXX. 15 USC 1692g validation of debt. I do not recognize this account reporting on my credit report. I dont recognize the account number, the status of this credit card, the high balance or the late payments associated with it. Everything reported here does not meet the FCRA.
Product: Debt collection

I received a notice in the mail XX/XX/21 I have no clue what it is or where the debt originated. No answer.
Product: Credit card or prepaid card

I paid for my rental car with cashiers check. I had XXXX transactions pending and/or on hold from XXXX XXXX XXXX, once I paid with the cashiers check the pending card transactions were reversed/released at the same time by XXXX. The XXXX transactions are {$350.00} and {$1400.00}. The day after XXXX  released Chime XXXX XXXX XXXX reversed only XXXX transaction of {$350.00} and kept the {$1400.00} as pending even though the release was done at the same time. I called chime and they did a XXXX way call with XXXX  that told them the funds were reversed XX/XX/2023 at XXXX with reversal authorization code of XXXX XXXX. Chime keeps saying they have to try to put my money back and still 6 days later have not done so. I have supporting documents showing Chime should have released my funds days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate data on my credit report and when I filed a dispute, they sent me a confirmation number saying the investigation was complete but I was not able to view the results or my credit report. When i contacted support, they said they are unable to help me.
Product: Debt collection

On XX/XX/2024 I was contacted by XXXX XXXX and ABC Fitness and made aware that if I did not pay my past due balance or take part in a forgiveness program I would be sent to collections, I called XXXX  and spoke on the phone with an employee who took payment of {$65.00} as part of a program to forgive my past due balance. I was told by making this payment and starting a new membership with XXXX, that my previous balance of around {$120.00} was forgiven and that after paying the annual membership fee to XXXX, I could cancel the new membership. On XX/XX/2024 XXXX debited my bank account for XXXX, this was for 1 month of membership, plus the annual fee. 

I have since canceled the membership and have now received an email from an entity claiming to be hired by XXXX to collect my forgiven debt. This entity goes by 2 names, which one is the legitimate one I'm not sure of but they introduce themselves as " XXXX XXXX XXXX '' but end the email as " XXXX XXXX ''. The former can not be located online, however XXXX XXXX has dozens of XXXX and XXXX reviews with multiple people reporting inappropriate contact that's been made by employees of " XXXX XXXX '', I have reason to believe this company is either acting fraudulently or is willfully collecting debts via ethically questionable means.
Product: Mortgage

I am active duty military and purchased my new construction home in XX/XX/XXXX. Lakeview XXXX serviced the mortgage from XX/XX/XXXX to XX/XX/XXXX. During that time, an associate at Lakeview XXXX contacted me about refinancing and lowering my monthly payments which were {$3200.00} ( {$2500.00} P & I + XXXX escrow ) at the time. 

I started the refinance process with Lakeview XXXX and noticed that UNIT # had been left off the address and the property tax estimate was wrong. ( Thus, I am being charged/taxed for the ten townhomes on the property instead of the one townhome that I actually purchased and live in. ) I was assured it would corrected at closing. At closing, the address and property tax estimate was still not corrected and I was told it didnt matter because the property tax parcel number was correct and the escrow would be updated. 

After closing, I noticed the address and property tax estimate still had not changed and my mortgage had jumped from {$3200.00} to {$7300.00} ( {$2400.00} P & I + {$4800.00} escrow ). I began calling Lakeview XXXX to get the address and property tax corrected. 

I paid the first months mortgage in full thinking it would be corrected. It was not. I continued calling Lakeview XXXX and nothing has changed. My address is still wrong and the property taxes are not correctly estimated more than 4 months later. I have borrowed money to keep my account current but now have less that 20 days to make another payment which has now increased to {$7400.00} effective XXXX! 

I simply can not pay a miscalculated and grossly inflated escrow amount based on a Lakeview XXXX error that they refuse to acknowledge and correct. 

I never expected that responding to Lakeview XXXX offer to refinance at a lower rate would end up being the biggest mistake of my life and force me into foreclosure.

Now, I am begging, anyone who can, to work with me to see that this is an error on Lakeview XXXX part in that their Closer did not analyze the correct property taxes and if the property taxes were properly analyzed, my monthly payment and escrow balance would be adjusted ASAP. 

I am deeply disappointed in the total lack of customer service I have received from Lakeview XXXX regarding this matter. The result has been been devastating as Lakeview XXXX has sent notices of my potential foreclosure to the Credit Bureau, Veterans Affairs, and my commanding officer, and a Notice of Default and Intent to Accelerate Foreclosure was sent to me on XX/XX/XXXX. 

Lakeview XXXX has had four months and multiple conversations regarding the facts in this case and has yet shown any willingness to correct this error!
Product: Vehicle loan or lease

This account has been paid in full as agreed on XX/XX/year> and should not reflect any late payments.
Product: Credit reporting

I disputed some items on my Equifax Credit Report, on XXXX/XXXX/15, on XXXX/XXXX/15 I received another copy of the exact credit report that I already have, I feel that this is an attempt to delay the process and nothing is getting done, my disputes are still on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am receiving phone calls from Midland Credit Management. Several within just hours. They were trying to verify personal information, which I will not give them. I have perfect credit, which is monitored for credit changes and fraud. Therefore I am certain they are attempting to collect on a debt that is not mine or a very old past the statute of limitations debt. I do not trust collection agencies therefore I want this complaint on file in the event I have to sue this agency for whatever reason. I do not have outstanding debts and this agency is not going to be paid for debts that are not mine or old. They were told to cease communication by phone and mail. Letter was faxed and mailed to them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Citi Prestige closed my credit card account without my acknowledgment and without reading the appropriate disclosures to me. I had no idea they were closing my account, as I was on the phone with them, and said I needed to call back because the call was taking longer than anticipated. I did not want to close my account at this moment, but was inquiring about a dispute that should have been closed in my favor instead of the merchant. However, next time I went to check on my account, I noticed it was closed without any acknowledgment. I also did not know I was being transferred from one team to the retention team. I only knew that someone may have been able to help me from another team. I assumed it was a supervisor or manager, not the retention team and that my card was closing. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Synerprise Consulting, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 
Thank you for your time.
Product: Money transfer, virtual currency, or money service

XX/XX/year> a teller transferred {$38000.00} & {$3200.00} and on XX/XX/year> the same teller transferred {$32000.00} without my authorization or knowledge while my account was locked I had no access to my card also the tellers name is XXXX XXXX. This is fraudulent and I have made several reports and police reports and disputed this my money has been missing from my account since the teller did these transactions.
Product: Credit reporting or other personal consumer reports

XXXX  has reported a closed XXXX  XXXX account to my credit report. # XXXX is a closed account from XXXX  XXXX. The account is to be removed from my credit reports. As per 15 USC 1681ia1a XXXX  has improperly investigated this matter.
Product: Vehicle loan or lease

I was bullied into an {$5000.00} extra warranty that I didn't want and a fixed rate after telling them that I already had a pre-approval letter. When I needed to use the warranty, I had to pay an astronomical deductible {$500.00} ( which cost more than the repair ) in order to use it. It was approved at 7 % interest, and they manipulated the numbers and claimed they couldn't finance me for less than 11.5 % and I literally had a pre-approval letter. I still have to make astronomical payments for a car that isn't worth that value and a warranty that is virtually useless. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.