23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXX Bank reporting to damage my credit reports
Product: Payday loan, title loan, or personal loan

I received a loan through Affirm Financing and was due to get a refund from them for a loan with XXXX. Two of the refunds were refunded to a closed checking account. The date of the refund was XX/XX/2022 and the amounts were {$270.00} and {$86.00}. I can supply bank statements for the account with a debit card ending in XXXX, as well as correspondence from XXXX Bank stating that the refunds were not accepted as the account was closed. 

The loan ID is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are all reporting a bankruptcy on my credit profile which XXXX XXXX  deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.
Product: Checking or savings account

I was giving provisional credits for XXXX on XX/XX/2022 by the bank for a dispute I filed on XX/XX/2022. Once giving the temporary funds my old card was disabled XX/XX/2022, only way to move funds were for me to enter a branch which 1 hour away from my home or use a member to member feature inside my mobile app. I went with the member to member feature to send funds out of my account in the amount of XXXX then XXXX another for XXXX and finally another transfer for XXXX to two other accounts, the next day my account was restricted and also the other members account was suspended as well. I see nothing I did wrong to deserve my account to be closed I been a loyal customer since day 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have raised two complaints with CFPB related to fraudulent activity by Best Buy Credit Card Services and Citi where there were two hard hits put on my account Complaint Numbers : XXXX AND XXXX I have received a response from Citi that this was going to be resolved and the hard hit will be removed from my report but that has not happened and still I have two hard hits Request you to please escalate and get this resolved
Product: Vehicle loan or lease

I Got The Vehicle In XXXXXXXX XXXX XXXXXXXX I Was Charged {$25000.00} The I Was Paying The Note For Months The Break System Had Went Completely Out In XX/XX/XXXX And I Stopped Paying The Note I Reached Out To Credit Acceptance For Help On Where To Take The Car For Maintenance I Started Going Through The Paper Work And Noticed I Was Being Over Charged By 22 % For A Used XXXX XXXX I Reached Back Out To Them To See Why I Was Being Over Charged And They Couldnt Give Me A Reason Why.. I Stopped Paying The Note The Car Set In Front Of My House Credit Acceptance Picked The Car Up In XX/XX/XXXX With All Of My Belongings Inside And Told Me I Had To Pay To Get Them Out I Lost A Lot Of Personal Items Now Im Being Asked To Pay Them {$13000.00} Which Is The Remaining Balance Of The Car Loan. Credit Acceptance Wont Even Let Me View My Account
Product: Mortgage

Citimortgage ruined my credit. Forced me to sign an agreement or they were taking my house after I tryed a modification. They told me to be late a couple months so they can start the process. In the end after dragging their feet after 8 months they sent the wrong paperwork 3 times, then forgot to book the mortgage in system until the end of the year came and they said I owed they {$17000.00}! The new loan took me from 30 years ( with XXXX paid off ) to a 40 year and {$33000.00} deferred payment. Im trying to refi now this loan and I 'm realizing just how much the XXXX me over. Please help and thank you for your work.
Product: Vehicle loan or lease

I Consumer XXXX XXXX, Sent a notice of billing error pursuant to 12 CFR 1026.13 to Ally Financial to their financial Disputes, address that is listed on their website at Ally Financial INC. XXXX XXXX XXXX XXXX, MN XXXX. On XX/XX/2021 I have noticed several billing errors in the truth in lending disclosure section of the " Retail Installment Contract and Security agreement ''. The first one being the number of payments as well as the number of payments seems to be inaccurate on the payment schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure as defined as " A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation Z, which is applied in whole or substantial part, to purchase of goods or services from the seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under Regulation Z also known as the truth in lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. '' The next Billing error is the downpayment on the itemization of the amount financed. The {$3000.00} downpayment placed under section f which refers to net trade in is a violation of 7 CFR 1436.10 ( c ). The downpayment may not include any trade in, discount, rebate, credit, deferred payment, post dated check, or promissory not to the supplier or contractor. The next Billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney in fact by the consumer to receive any credit on the consumer behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors are assumed to be a willful intent to mislead me the consumer and or to deceive me the consumer of the character/ amount of the alleged debt pursuant to 15 USC 1692e. All obligations and securities are owed to the United States Pursuant to 18 USC 8. DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
Product: Credit reporting or other personal consumer reports

The week of XX/XX/year>, XXXX XXXX and/ or his affiliated companies, also know as the Department of Government Efficiency were given unauthorized disclosure of my student loan information without my written consent, for higher education obtained at XXXXXXXX XXXX  which was from granted from the federal government student aid and from XXXX Student Aid. I understand that my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties again without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse to my private data. This unauthorized access appears to be a direct violation of my rights under FERPA. the information contained within the student loan database, including my Social Security number, financial records, and other sensitive personal details, requires the highest level of confidentiality.
Product: Debt collection

I filed an initial complaint to receive debt verification from Jefferson Capital Systems and I finally received it, however the information received from them is not enough to verify the debt. All they provided was the last 6 months of billing statements from XXXX, and gave no indication of when this debt was purchased and provided no such paperwork.
Product: Mortgage

Please see the attached. 

I also have the XXXX XXXX CD for XX/XX/2019. I can not get it to upload. It keeps telling me I have exceeded the limit for downloads?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see enclosed letter ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax XXXX XXXX XXXX XXXX GA XXXXXXXX XX/XX/XXXX RE : CONFIRMATION # XXXX To Whom It May Concern : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]  paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following item / items can not be verified, please delete it / them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please sent me a complete updated copy of my credit report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative on XXXX XXXX 2017 because I have n't got a response back from them spoke with a representative by the name of XXXX. Regarding a dispute I sent in XX/XX/XXXX which the representative confirmed that they got my letter. The letter that was sent was disputing three collections by the name of XXXX XXXX XXXX and six XXXX accounts reporting late payments that I stated that the collections were unverified and the XXXX accounts were showing inaccurate late payments under the fair credit report act section 609. The representative mentioned that the agent that received my letter in XX/XX/XXXX failed to properly process my paperwork and that 's why the XXXX accounts have n't been processed to XXXX. She also mentioned that the collections were previously disputed XX/XX/XXXX and that the collection company replied that they would stay and that 's why they were still on my credit report. At this point its been over 30 days with no response from Experian and no correction or investigation in to my letters.
Product: Debt collection

I did not house a " Merchant '' Account with XXXX XXXX XXXX. Oxygen Recovery Group is stating I owe a debt on behalf of this company.
Product: Payday loan, title loan, personal loan, or advance loan

I submitted a claim under Louisiana XXXX " XXXX A. ) Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per XXXX  during the period that the person is XXXX on XXXX XXXX. '' I have been paying over XXXX  % in interest since my first loan with Pioneer XXXX. Other companies have honored my Louisiana XXXX. On XX/XX/XXXX Pioneer sent me the following : " Dear XXXX, Pioneer Military Credit LLC has received your request to reduce the interest rate on your current loan offer under the federal Servicemembers Civil Relief Act, XXXX XXXX. XXXX ( SCRA ), and XXXX XXXX  Civil Relief and Consumer Rights Act, LA Rev XXXX XXXX. Pioneer Military Credit LLC strives for the best in customer satisfaction and appreciates the opportunity to assist you. 

The XXXX allows a XXXX XXXX  to request a creditor reduce the rate of interest to XXXX percent ( 6 % ) only for financial obligations that were incurred prior to the service member entering military service. 

XXXX interest rate cap for XXXX XXXX XXXX only applies to retail installment sales contracts, other contracts for the purchase of goods or services, or bonds, bills, notes, or other instruments of writing for the payment of money arising out of the contract or other transaction for the purchase of goods or services. LA XXXX XXXX XXXX ( XXXX ). As your loan with Pioneer Military Credit is a personal installment loan and is not in connection with the purchase of goods or services, your account does not qualify for the requested reduction in your interest rate. 

Pioneer Military Credit LLC thanks you for your service to our country. If you have any questions, please contact us at XXXX or by email at XXXX. 

Sincerely, Pioneer Military Credit '' The amount in paying on interest is way too high and its starting to put me in financial ruin. 

:
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

I am attaching copies of my disputes that I want resolved by the Credit Bureaus immediately. XXXX, Equifax and XXXX are failing to do their jobs. 

Please provide detailed documentation showing the steps taken to verify the accuracy of this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforced that credit reporting agencies must conduct meaningful investigations into disputes and provide clear verification processes to consumers. 

All disputes will be uploaded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XX/XX/2023 Comenity Bank/BRYLNHOME Comenity Bank/JCREWINC Comenity Bank Express Comenity Capital Bank Comenity Bank , XXXX XXXX XXXX, XXXX, OH XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently ordered a new credit report and noticed it contains late payments as well as collections reported as late as XX/XX/2023 for my J. Crew, Express, as well as XXXX XXXX XXXX account. I want to also mention that I have since paid off these obligations. 


I want you to know that I understand my financial obligations, and if it werent for certain circumstance such temporary unemployment and having to choose whether to make my card payments or feed my family, in which caused me to miss Id have an excellent repayment record. I made a mistake in falling behind, however, again I have since satisfactorily paid off these accounts and have maintained good money management. So much so that, since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage in the next month or so and its come to my attention that these accounts are currently reporting as derogatory on my credit report in turn affects my ability to qualify. It is my idea that, my failed commitments in the past does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the derogatory status on the above said accounts. 

Thank you for your consideration, and I hope you will approve my request. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

I requested written validation of the debit. They responded with a form letter that stated they had an electronic copy of it but they did not produce it and have not produced it to date. I asked for the contract to be followed with a request for arbitration at their expense per contract. They have reported this to credit agency 's with providing either request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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.
Product: Vehicle loan or lease

I have a XXXX loan through Synchrony Bank/XXXX I opened the XX/XX/XXXX statement and noticed I was charged a late fee for the XX/XX/XXXX payment. On XX/XX/XXXX, I called Synchrony/XXXX and inquired on the {$39.00} late charge. I found out that I was also charged a late fee forXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX I was shocked! I went back to my checking account/bill payment through my bank to see when the payments were submitted and transmitted to Synchrony/XXXX. I discovered that if my payment due date ( the 1st of each month ) fell on a weekend or holiday, I was being charged a late fee. I spoke to a manager at Synchrony/XXXX @ XXXX also onXX/XX/XXXX and was told they could only waive one late fee. I asked why I was being charged for days the Automated Clearing House is closed, and the manager 's response was - " there is nothing I can do ''.XX/XX/XXXX - payment sentXX/XX/XXXX - due date fell on Sunday - late fee chargedXX/XX/XXXX - payment sent onXX/XX/XXXX - due date fell on Sunday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Saturday - late fee charged XX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Tuesday, National Holiday - late fee chargedXX/XX/XXXX - payment sent on XX/XX/XXXX - due date fell on Friday - payment posted on Monday - late fee charged but reimbursed This isn't fair that I am being charged late fees for payments that are due on the weekend, when processing doesn't occur. Synchrony/XXXX doesn't allow a grace period. Please investigate this promptly, because I am not sure how many other consumers are being charged late fees erroneously.

I have copies of all invoices showing the late charge assessments.
Product: Checking or savings account

I opened a checking and savings account with Citibank back in XXXX. As of XXXX, I didn't need the accounts anymore. 

XX/XX/2020 : The transfers to get my accounts down to a {$0.00} posted to my accounts. I started a chat session through the app requesting a closure of both accounts. The agent told me the accounts would be closed and I'd get a confirmation. 

XX/XX/2020 : When I never got the confirmation, I logged back in to check on the accounts. I could still see both accounts. The checking account said it had been closed, but the savings appeared to be open. I started another chat and the agent told me they submitted another request for the savings account to be closed. 

XX/XX/2020 : Same thing happened, I never got the closure confirmation, I checked, and the account was still open. I requested a closure, the representative told me I'd get the letter in 24 hours. 

XX/XX/2020 : When I still didn't receive confirmation, I called the customer service line. The representative said she would close the account, and that I'd get confirmation and lose access to online banking. 

XX/XX/2020 : I tried logging in to see if I'd lost access and could still log in. I called again. They said they submitted a request for the account to be closed. This representative said that sometimes accounts don't close because of interest paid to the customer being posted to the account. Since I had a {$0.00} balance they said my accounts should definitely close by Monday ( XX/XX/2020 ) and I'd get a letter in the mail no later than XX/XX/2020. 

XX/XX/2020 : I got a notification from the Citibank mobile app that {$0.00} posted to my account on XX/XX/2020. 

I have completely lost faith that these closure requests will do anything and I am concerned I'll be charged fees for my account being open for this long without maintaining the minimum balance to avoid fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX
Product: Credit reporting or other personal consumer reports

I would like to know how XXXX already did their investigation results verified it as accurate and the dispute was verified as accurate when with XXXX XXXX XXXX XXXX  final number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hasn't even got back to the attorney general that I filed a complaint file number XXXX XXXX verified XXXX XXXX as accurate but XXXX XXXX hasn't got to the attorney general or cfpb