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

I had a promotional account with Synchrony bank to finance flooring for my home, and realized I had paid thousands of dollars of interest in only 18 months. ( This would have been XXXX XXXX over 5 years ). 

I was viewing my loan statement on XX/XX/22 when the amount owed struck me as odd. This account is set to auto-pay so I don't pay much attention to the amount usually, but this time for some reason it stuck out. 

When I signed onto the account and checked my statement, I discovered I had been paying 30 % interest for year and a half. I never received a notification of any kind that the promotional period had ended ( it was for 12 months ). After speaking with the bank directly, they pointed out that the statements near the end of the promotional period have the verbiage written within them that the promotional period is ending. This lack of information resulted in a paid interest of {$4400.00}. This was nearly 75 % of the entire loan amount. The bank only offers waiving interest within 30 days after the promotional period has ended. 

It is my feeling that such an exorbitant amount of money ( which was paid in only 18 months ) dependent on fine print for the average XXXX consumer is bordering criminality. I am not rich, nor am I a business. The fact that all of the personnel I spoke to from the bank mentioned that the information of the promotional period was available in a prior statement ( no longer available online ) indicates that there is no other method of communication for the customer. This kind of purposeful informational neglect by a bank should not be allowed, and there should be a more proactive approach to alert the consumer that such a charge is taking place.
Product: Student loan

We took out parent plus loans for both our children while they attend XXXX University and deferred the payments. When our son and daughter graduated from college in XX/XX/XXXX, our son and XX/XX/XXXX, our daughter, we contacted Navient to start the loan repayment process and hopefully lower the payments according to their income. But we were told we could not do that, after we were told this is how we should do the loans when they started college. we were also told we would be able to switch these loans into our son 's and daughter 's name after they graduated but that also isn't true. Now we and both our con and daughter are strapped with high interest payments for the next 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called XXXX weeks later to follow up Transunion said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for XXXX said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called XXXX and they just flat out lied and said that they don't see it on my file and they would investigate but it takes XXXX days. I have now read all that I can regarding identify theft and I now realize that the XXXX XXXX bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all XXXX Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens
Product: Debt collection

When they call they always use abusive language. One person in particular whose name is XXXX works there and another guy, constantly calls at least 7 or 8 times a day after I've told them when they will receive their payment. They seem to not communicate these messages to each other so it become constant. 

My husband and I are over XXXX years old and this has become frustrating to him especially because he has XXXX and gets upset much more easier than I. But it has gotten so worse that I'm even tired of all the abusive calling. 

I told them when I sent my last payment not to call me anymore, but if they needed to reach me, they could do it through a XXXX, who I can't afford to retain. I just wanted them to leave us alone.
Product: Checking or savings account

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX allowed a fraudulent ACH debit to be made on our checking acct - {$390.00} on XXXX - TD has been ineffective in recovering it or providing information on who submitted it - our XXXX fraud dispute filed on XXXX
Product: Debt collection

The debt collection company has negatively affected and impacted my credit score and reports by submitting fraudulent claims and fraudulent statements to several credit agencies and has made multiple attempts to threaten legal action against me for a debt I have no knowledge about I have made numerous complaints and have disputed this matter to all known credit agencies this collection company is fraudulent filing and submitting false claims to the credit bureau
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/2024 XXXX
Product: Student loan

Navient called an left messages for my decease brother to call them about my XXXX XXXX student loan. 
Navient called my wife, with out my authorization about loans before we were married. 
Has never sent any written correspondence about the loan, but seems to be able to call and locate relatives and has a current address. 
Has called my cell phone even after being ask to not to call my cell. 
All the above and yes I may be a payment or 2 behind d but am paying. Why keep calling relatives, they know where I am. Do they want law suit for violation of my rights.
Product: Credit card or prepaid card

When : XX/XX/2020 How : emailed, called Elan numerous times. Also contacted Fidelity numerous times. 
Who : Elan Financial Services What : Consumer Privacy issue, Elan Financial Services incorrectly determines recurring charge merchants without consumer permission, does not allow consumers themselves to update this list, and Elan itself can not update/correct this list, either. 

Please see my email to Elan below. 
-- Hi, I have a Fidelity credit card via Elan. 

Recently I find out that your company software or system automatically identify certain merchants as recurring, i.e. they can incur recurring charges. This is completely false, and without my permission. Most of these merchants do not have intention to impose recurring charges, either. This is purely your software or system making the wrong choice without our consents. This is illegal as it does not have my permission. 

The issue is getting worse in which, I just found out, no one can update this recurring charge/merchant list, as I found out while on the phone with Elan customer service now. I am informed right now that they can not update this list, either. 

I urgently request you either allow me to update this list, or remove this feature completely from your system. 

Should this not be done within 30 days, I will have to file formal consumer complaint to appropriate bureau and agency as this feature violates my privacy, allows merchants to impose recurring charges to my credit card without my permission. 

Regards,
Product: Consumer Loan

GMAC has erroneously reported auto lease information to credit reporting agencies. I contacted them once and the reporting stopped for four years and now they have begun reporting negative information again. The company states that there was a charge off when in fact the vehicle was returned in a timely fashion under a lease and the account was satisfied in full. No additional monies were owed to them. Legally inexplicably GMAC created a deficiency dollar amount and reported it to credit agencies. I disputed this issue four years ago and it disappeared from my report for a period of four years. 
Ultimately the CREDITOR RESET THE REPORTING TIMELINE AND ATTEMPTED TO MAKE IT RUN ANEW AND LENGTHEN IT. The trade line and expiration date has been fraudulently readjusted by the creditor GMAC. It potentially could be linked to GMAC 's release from the federal government 's loans and control over the creditor GMAC. In other words GMAC upon release from the US Government became a rogue elephant creditor engaging in fraudulent activities with former purchasers of their products and services.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Validate of Debt Request XXXX First class mailed out : XX/XX/year> XXXX Date received : XX/XX/year> Mailed to : XXXX, XXXX, Equifax Cost Amount : {$5.00} Reinvestigation : Validate of Debt request, Please supply how information was verified by furnisher, debt XXXX, and original creditors. 

XXXX XXXX XXXX mailed out : XX/XX/year> XXXX Date Received : XX/XX/year> Mailed to : XXXX, XXXX, Equifax Cost Amount : {$5.00} Credit bureau has been in non-compliance with my request, there is inaccurate information along with identity theft on my consumer report. I have attached all the documents submitted below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. TRANSUNION has been reporting incorrect information on my credit report for XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to TRANSUNION regarding the XXXX account, which was received by the TRANSUNION on XX/XX/2018. On XX/XX/2018, TRANSUNION responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed TRANSUNION that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, TRANSUNION has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Credit reporting or other personal consumer reports

Ive discovered errors in my credit report, showing late payments that seem inaccurate. Please correct and update this information.
Product: Debt collection

Santander fraudulently misrepresented material facts about the nature of this transaction. My endorsement on the commercial contract is what gave value. Santander then presented the collateral to the bank for cash value and then tricked me into signing and taking on their liability. Why didnt Santander state this would happen? They then repossessed the vehicle because they tricked me into signing a security agreement knowing that I wasnt indebted but wanted more money.
Product: Debt collection

XXXX XXXX XXXX has repeatedly contacted my mother and brother about a debt they said I owe. They sent me a text on XX/XX/2019. I replied STOP. They then sent my brother the same text. I called the company at XXXX and tried to explain that I want them to cease and desist contacting me. I asked for the mailing address so I could send the information in writing and they refused to provide it, I was hung up on three times when asked. The agents will not give out anything but a generic name, no agent Id or last name. One woman told me okay I removed all your information and she would send me an email with what I was requesting. She then sent me an email telling me to opt-in and that I am consenting to receiving ongoing private and personal electronic information. I called the number on the email XXXX and spoke to someone named XXXX, he stated that he had removed all my numbers. I am not sure if that was the truth, he at first told me he didnt have an agent iD, then that he couldnt give out his last name, then he gave me an extension XXXX. Which doesnt mean anything, I called back to check.
Product: Checking or savings account

The overdraft fees associated with my account are way below what was stated by thousands of dollars as of today. One week ago, First National Bank of Omaha stated I owed thousands more than today. Nothing has changed. Why is there thousands of dollars ' of discrepancies? This is felony fraud and identity theft.
Product: Checking or savings account

On the first week of XX/XX/XXXX at my XXXX XXXX ( XXXX county, CA ), I tried to log on my Bank of America account via internet provided by XXXX. 
The site would not let me log online unless I answered the following questions first as they were shown on a new window that popped up : 1. Do you have double nationality 2. Are you an agent?

I was concerned and by innocence answered both questions with NO. Thereafter I could access my account information.

I log off and then tried to log on my Bank of America account again and a window appeared saying that I did not have a double nationality.

I could continue then checking my accounts information. 
This seemed to me as an attempt to gain access to my B of A account data and after some time to reflect I decided to call the Bank of America Legal Services or other proper assistance. I definitively waited too long of a time to take this action, probably a mistake. 
On XX/XX/XXXX, I called Bank of America Privacy Office ( XXXX XXXX ), and they advised that this questions were not generated by the Bank of America. 
On the same day I spoke to a bank Associate ( XXXX ) in the XXXX XXXX Branch ( XXXX County, CA ), and she also commented that she did not believe this questions showing up during my attempt to log on my online account were generated by the Bank of America. 
I am in the process of closing my checking/savings accounts with the XXXX XXXX Bank of America. 
MY concern is that there was never any contact or follow up from Bank Of America concerning the incident and it seemed somewhat negligent to me.
Product: Checking or savings account

My Fifth Third Bank checking account went dormant some time in XX/XX/2024. In XXXX, I sent money from XXXX to that dormant account ( which I was unaware of the status of the account at the time ). Fifth Third Bank accepted the transfer of funds, but is now not allowing me to transfer those funds to another checking account under the same name and with the same bank, until I either make a deposit to the account or show up in person to a branch. Showing up in person is not an option at the moment, the nearest branch is 98.2 miles away from me, and to be forced to deposit more money into my account to unlock it seems unfair, deceptive, and an abusive act by Fifth Third Bank. No where in the terms and conditions does it state that dormant accounts lose the ability to transfer funds, yet Fifth Third Bank is holding my money XXXX. I feel deceived by Fifth Third Bank and I am concerned about Fifth Third Bank 's solvency if it is unable to move those funds even internally. I made three calls to Fifth Third Bank 's XXXX number on XXXX two of which were escalated to supervisors. XXXX refused to provide me with any terms and conditions and told me to " look it up on Fifth Third 's website ''. The other said there was nothing they could do. 

I called the branch who opened the account and they also stated that there was nothing they could do.
Product: Debt collection

I have previously complained about this company. They initially said the debt was mine because I was not at the location to do my walk through at the apartment complex. I then had to submit another complaint and submit pictures of how clean the apartment was and multiple pictures of the lady who did my walk through with me. I was then told they would look into it and I haven't heard anything from them in over 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

CMRE FINANCIAL SERVICES has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also I still see no payment history, monthly payment, terms, limit, past due amount if there is, and date of last payment on this report. I know this is inaccurate and a clear violation so I demand your agency to send me a complete report and all the documents provided by the company as proof that this account belongs to me. Otherwise, delete it immediately How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting

Called multiple times advising this is not my acct. we are getting ready to close on a house and this is holding us up.
Product: Checking or savings account

I deposited 2 USPS money orders totaling {$1100.00} on XX/XX/XXXX at an ATM.

Now I get this notice of a hold : Deposit Hold {$1000.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX PT I thought USPS money orders were supposed to be available funds after 2 business days? Why is there a 10 day hold?
Product: Mortgage

Quicken loans mortgage # XXXX Full monthly mortgage payment was putting in suspense balance without paying down my principal and interest, so quicken loan earned illegal extra interest on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and XXXX XXXX has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX   confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
Product: Credit card

I call PayPal to confirm account but they said they dont have account. XXXX XXXX XXXX XXXX said someone use my social security open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX
Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: $XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XX/XX/XXXX for XXXX<