23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX  XXXX I opened a Synchrony Bank Care Credit Card to assist in paying for my wife 's XXXX  work in XXXX due to financial hardship in addition to the fact I was bringing in low/no income from NC Unemployment and was in the middle of a SSXXXXI case. In addition, I purchased the XXXX XXXX through Card Security ( another Synchrony Product ) for an extra approx. {$30.00} per month just in case something were to happen rendering me unable to pay the bill... such as becoming XXXX 

XXXX XXXX I was deemed XXXX  by the Federal Government which was retroactive back to XX/XX/XXXX and financial hardship become greater. 

XXXX XXXX I had to the XXXX XXXX because it became too expensive but was told by Card Security that I may have some if not all of the balance waived due to the fact that I am disabled. I was approved for a couple months to be waived but denied the full balance to be paid because I was not holding the CC nor the XXXX XXXX at the time I was deemed XXXX  ( XX/XX/XXXX )... 

It went on back and forth like this for many months as a received a few more payments waived but still the same denial for the whole balance as stated above. Each time, I advocated that my claim is valid arguing that it does not make sense since I did not need the Care Credit Card or XXXX XXXX back in XXXX of XXXX, I needed it in XXXX of XXXX ; but also that because I was deemed XXXX retroactively, XX/XX/XXXX should be covered and I am entitled to utilize the full balance payoff benefit. 

I called and escalated multiple times now for almost a year and climbed the ladder to the office of the president and CSR XXXX XXXX, who has since left with no further phone number or contact person and bumps me back to the XXXX # to start at the bottom. When I call, I'm able to escalate to a resolution team but refuse to give me any real Corporate Contacts info in order to get this resolved. 

This is discrimination against me considering I am legitimately XXXX- their loophole is false advertising and disinformation ( illegal ) combined with their unethical lack of accessibility to anybody that can actually help. It is unjust and wrong on so many levels. 

My question is that if my argument was not valid and I was/am not eligible to use the insurance, then why did they waive approximately 5-7 payments? 

It is disgustingly obvious that these companies purposely try to wear us down by sending us back into the bureaucratic cycle while corporate does nothing but sit back and collect their money. I've seen it over many companies too how Corporate refuses to deal with people like myself and count on us giving up. 

So never give up and keep fighting for yourself ... .the more people that do this will create a louder message for some policy changes that will travel up the chain.
Product: Vehicle loan or lease

I paid my loan to turner acceptance phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 4 years, now the easy the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who says I owe another XXXXXXXX XXXX I am being over charged, I could have gotten a better car, XXXX or something for. XXXX were talking about a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any correspondence from XXXX, Equifax and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything
Product: Credit reporting, credit repair services, or other personal consumer reports

My understanding is that CFPB IS SUPPOSED TO HELP AND AD FAR AS I CAN TELL, no such thing is happening! XXXX has yet to provide their proof about XXXX and it has been removed on all other accounts! I have sent police reports and court documents! A collection company tried to sue and garnish my wages! How can this even be allowed! Now XXXX has added A Consumer Adjustment Company to my credit for XXXX $ that showed up with a balance on XXXX! Where is the proof of anything from XXXX? I am calling an attorney after this complaint for my records! I have reached out to you CFPB and still have no answers!!!!! 
Where is the proof?? A police report and court documents should be proof enough! Why is this on my credit!!! So what you are telling me is that I opened a XXXX account XX/XX/XXXX and first delinquency was XX/XX/XXXX? Show me checks were I made a payment or even a checking account payment! And my signature!!! This is a bold face lie and CFPB IS DOING NOTHING NOR IS XXXX BUT ENABLING THESE XXXX XXXX!!!! I want THESE LIES REMOVED FROM MY CREDIT!!
Product: Debt collection

I asked for verification of a debt that appeared on my credit report. To validate the debt, I simply asked the collector to send me my signed medical documents, HIPAA release, and an itemized list showing what the debt was for. They did not send me any methods of validation, only the date of the alleged hospital visit. Per the FDCPA, this needs to be removed unless they can furnish the requested documentation within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a car payment by phone to Mercedes Benz Financial Services ( MBFS ) before the account was late ; however, MBFS posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to MBFS official before the account became " late '' ( see attachement ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and to my surprise, i found Equifax, XXXX and XXXX reporting inaccurate information on my consumer report.I have included in this complain documents to prove my point.
Product: Mortgage

Due to hurricane XXXX in XX/XX/XXXX, the federal government placed a disaster area where my primary residence is located. The mortgage company placed a moratorium on the monthly mortgage, which was required by federal government because of natural disaster XXXX. 

The past 6 months or more the mortgage company told me to apply for modification and no payments were allowed to be paid at the time of loan modification. Mortgage company begin reporting late payments to credit report. 

Mortgage company informed me that I did not qualify for loan modification because of income not higher enough to cover monthly debt. 

My income level is the same or maybe a little more than before the disaster. The federal government, HUD, mandated in XX/XX/XXXX, that any persons who are able to show proof of income levels being what there were before the disaster and can afford to pay the original monthly mortgage, should automatically receive a partial claim through the mortgage company. 

This option was not offered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem with Experian is when I call I can not get anyone on the phone. I can not speak to a rep only the automated system. I am filing a formal complaint on them based on not being able to dispute my credit report. These are the items to be disputed on my credit report with Experian. These items needs to be removed from my credit report immediately. 1. Us Dept of Ed. {$170000.00} 2. Us Dept of Ed. {$20000.00} 3. XXXX XXXX  {$19000.00} 4. XXXX  XXXX {$400.00} 5. XXXX  XXXX {$1700.00}. 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX {$400.00} 8. XXXX XXXX {$1200.00} 9. XXXX XXXX {$1000.00} 10. XXXX XXXX {$1500.00}. I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report. Please remove all these fraudulent unauthorized inquiries on my report.

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Car totalled in accident, not my fault. Other driver insurance XXXX paid XXXX, XXXX leaving balance of XXXX, XXXX. I had GAP insurance submitted claims and appropriate info for payment was denied due to finance company inability to submitted payment history that was legible and in a timely manner. American credit acceptance the finance company then charged off debit due to natural disaster. Now third party debt collector trying to collect. 15 USC 1681 data breach of my social security number. Inquires placed when buying car by unknown places and this debt prevented first attempt to buy a car.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and I have never seen this before. Hoping it was just a glitch, I refreshed my browser multiple times, but the issue persisted. I am beyond frustrated, and I need the documents I submitted to be reviewed immediately so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a 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: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am aware that Capital One is not in compliance of the Gramm-Leach-Bliley Act. As a federally protected Consumer, my rights have been violated.
Product: Checking or savings account

my name is XXXX XXXX and my social security number is XXXX my bank of america checking account number is XXXX this information will help the bank to identify the issue. i filed this to cfpb last year and in response bank want me to call them. when i did, they cant locate my account. in the mean time i get XX/XX/XXXXto XXXX due to immigration issues. 

the case is that in the above mentioned checking account, there are 2 withdrawls made in the branch. which i never went to branch. i have a habit not to visit a teller due to a robbery happened with me in the past. so i never do any withdrawl in the bank. the two withdrawls are ( i ) : {$4000.00} posted on XX/XX/XXXX and the confirmation number is XXXX ( ii ) : {$3000.00} posted on XX/XX/XXXX and the confirmation number is XXXX i am disputing these 2 transactions and bank need to provide me applicable forms etc etc which they are not. following is my new mailing address. kindly help, i need my funds back. thank you sincerly, god bless XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : XXXX XXXX XXXX
Product: Credit reporting

Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.
Product: Mortgage

I have a mortgage on a home with Santander Bank. The mortgage is for {$160000.00}. The mortgage was originally issues by a small local bank called XXXX. The property is in XXXX, XXXX. 
The original mortgage was an " interest only " mortgage. Several years ago the XXXX Bank was taken over by Santander and I was suddenly a Santander customer. 
My monthly payment had been roughly {$1200.00} a month. 
Last month I received a statement from Santander. I immediately noticed that my monthly payment had more than doubled. 
My issue is as follows : Santander gave me NO NOTICE that the " interest only phase '' of my mortgage was about to end. So this new monthly statement came as a complete shock to me. I know that other banks send out multiple letters to their customers -- -starting a year in advance -- -advising/informing the customer that their payments are about to " balloon '' -- - I received nothing to that effect from Santander. If I had known this was going to happen I would have attempted to modify/refinance my mortgage. 
When I call Santander I am unable to get anyone on the phone who can address this -- -All they do is ask for payment. I will loose my home because I can not afford the increase. Santander, like other banks, must in some way be REQUIRED TO NOTIFY its customers if the nature of a mortgage is about to RADICALLY CHANGE. Can you please help me deal with Santander. They seem oblivious to this issue and their part in it.
Product: Credit reporting or other personal consumer reports

I am writing because I pulled my Transunion credit report and found some major inaccuracies being reported. I want to dispute the accuracy of an alleged charge-off account reported by XXXX XXXX on my credit profile. As the information reported is inaccurate, incomplete, and unverifiable, I request your immediate attention in conducting an investigation under your obligations per the Fair Credit Reporting Act ( FCRA ). 
Account Information : TransUnion Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX The reporting of this account reflects several inaccuracies and discrepancies : Conflicting Reporting Details : The information provided by XXXX XXXX is inconsistent across all three bureaus regarding the balance, status, and payment history. This violates the FCRAs requirement that furnishers report accurate and complete information. 
Unverifiable Information : I have requested validation of this account directly from XXXX XXXX, and they have not provided the required documentation to substantiate the alleged debt. 
Potential FCRA Violations : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of information reported. Reporting discrepancies like these fails to meet that standard.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information upon notification. 

Additionally, I have already filed a complaint with the Consumer Financial Protection Bureau Complaint ID : XXXX against XXXX XXXX regarding their failure to validate this account and correct the inaccuracies.
Product: Credit reporting or other personal consumer reports

Re : Request to Remove Inaccurate or Outdated Addresses from Credit Report To Whom It May Concern : I am writing to formally request the removal of incorrect or outdated addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that all information reported is accurate, complete, and verifiable. Under 15 U.S.C. 1681c and 15 U.S.C. 1681i, consumers have the right to dispute information on their credit reports and to request that unverifiable or inaccurate information be corrected or removed. 

Upon review of my credit report, I noted the following address ( es ) that are incorrect or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are no longer relevant to my credit profile and may lead to confusion or inaccurate reporting. In accordance with 15 U.S.C. 1681i ( a ), I am disputing these addresses and requesting an investigation to verify their accuracy. If the addresses can not be verified as accurate and current, please proceed with their removal from my credit report. 

Please update my credit file accordingly and send me a corrected copy of my credit report showing that these addresses have been removed. I appreciate your compliance with federal law in maintaining accurate and complete records. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The legal contract from XXXX Dealer was sent to CAPITAL ONE for a long term of 74 months, but CAPITAL ONE AUTO FINANCIAL ADDED 2 EXTRA PAYMENTS for a TOTAL of 76 months! They are violating the legal contract.!! This is not legal!! 

I have been calling them many times to resolve this issue and get an explanation, but they keep telling me that a supervisor will talk to me, they put me on hold for ever until the call got disconnected. I just contacted them today XX/XX/2022 at ( XXXX ) XXXX and I was on hold for 53 minutes, I was transfer from one customer service representative to another one with no help. They did not even bother calling back. I am frustrated. 

May you please help me out to resolve this issue. 

Thank you kindly, XXXX
Product: Debt collection

I am writing to formally dispute several collections that have been reported on my credit reports by the three major credit bureaus : XXXX, XXXX, and XXXX. These collections are negatively impacting my credit score and do not accurately reflect my credit history. 


Details of Disputed Items : 1. Collection Agency Name : resurgent receivables llc Account Number : unknown Amount : {$480.00} Date Reported : XX/XX/year> XXXX. Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Amount : {$740.00} Date Reported : XX/XX/year> XXXX. Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : unknown Amount : {$1200.00} Date Reported : XX/XX/year> XXXX. Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : unknown Amount : {$2800.00} Date Reported : XX/XX/year>XXXX  Reason for compliant : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens MO 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting or other personal consumer reports

The report last updated date is earlier then the opened account date.
Product: Credit reporting or other personal consumer reports

A XXXX  ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.
Product: Credit card or prepaid card

I made a purchase on XX/XX/21 of {$14.00} using my XXXX credit card from Comenity Bank. 

I did forget to make the payment and was charged a late fee and finance charges. I paid the balance listed on the website on XX/XX/21, but later discovered that I had incurred another late charge, so I still had a balance. 

I paid the total balance in full, {$66.00}, on XX/XX/21, which was not due until XX/XX/21. At that time I requested my account be closed since the company was no longer in business. 

A few days ago my husband told me I had an alert on our credit monitoring service from XXXX. I signed on to the account and found that they had continued to charge me a minimum finance charge and late fees after I paid my balance. The statement from XXXX actually says they will not charge interest if the balance is paid before the due date. 

So I now have a {$30.00} balance on a card that was paid off in full in XXXX along with negative activity on my credit report. I spoke with customer service at Comenity Bank and they stated they took those charges out and my balance is now {$0.00} but said there is nothing they can do about my credit report. 

How many other customers have they done this to??
Product: Bank account or service

On XX/XX/2016, my accounts were closed by PNC bank branch located at XXXX, XXXX in XXXX in an unjust and unfair manner. This morning I met with the branch manager, XXXX, to determine why my Social Security monthly benefit was not available in either my checking or saving accounts. I talked with various bank representatives on several occasions to address a transaction that was flagged as fraudulent. In an attempt to help a neighbor, a wire transfer was deposited in my account on XXXX/XXXX/16 and returned on XXXX/XXXX/16. I incurred a return of deposited item fee on XXXX/XXXX/16 for {$12.00} ; continuous overdraft fees of {$7.00} on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XX/XX/2016,XX/XX/2016 ; and continuous overdraft fees of {$21.00} on XXXX/XXXX/16 & XXXX/XXXX/16. The total of these fees is {$89.00}. As on XXXX/XXXX/16, my saving account was charged off in the amount of {$210.00} and my checking account was charged off for {$290.00}. I still do not understand all the fees of how I owe PNC so much money! Previously my accounts have always been in good standing since their inceptions. I attempted to be accountable for the error of trying to help a friend and asked XXXX to deducted the amount owed from monthly benefit but he said " the Social Security Administration has flagged these types of benefits to not allow any of it to be used to pay bank fees ... and that is why the account was closed. '' I ended up sincerely asking XXXX bus drivers to allow me to ride for free because I did not have any money leaving the bank. Honestly, I have not had any money since XXXX/XXXX/16 & my birthday was on XX/XX/XXXX. I am a XXXX and my only financial account is- I mean, was with PNC . Now, I think I have to wait for a check to be issued and sent to me via snail mail ( I will address this matter tomorrow ). No one from PNC contacted me to tell me what was going on and as important, how to keep the accounts active and open. They just closed them and left me broke with tears! Please help & thank you in advance!!