23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

SYNCBXX/XX/XXXX Credit Card Last reported XX/XX/XXXX Payment details XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX -High balance {$420.00} Times XX/XX/XXXX days late XXXX Account details Account number XXXX Account type Credit Card Account condition Closed Date opened - Responsibility Individual Limit {$2500.00} Creditor info Lender SYNCBXX/XX/XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX I put a note on my credit report that my id had been stolen they closed the account saying there was fraud and I explained everything they said there was nothing to do even though it was hurting my credit report. This was a fault on their action, not mine, i did what I was supposed to do
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX  XXXX Balance : {$360.00} XXXX XXXXXXXX Balance : {$150.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX  XXXX Balance : {$420.00} XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have called Vanderbilt Mortgage several times back in End of XX/XX/XXXX, to ask about maybe getting a forebarence extension. They told me that since my co-hab partner was no longer in the home there was no possibility of me keeping the home because it wasnt affordable to me alone without XXXX income. I ask her several times about working on A payment plan to get caught up, re-finance, and about extending my account that XXXX  XXXX and have a XXXX XXXX old son  in the home a XXXX XXXX XXXX. I didnt want to lose my home. As usual they were very rude saying I just had a forbearance back in XX/XX/XXXX and that it was just be best for me to sign a deed by of luea and take {$1000.00} and leave the house I. Good standing and just move out in with family and friends. I never agreed to that and asked why I couldnt get my payments lowered to make them more affordable? They saw they were starting the foreclosure process and I was going to have to move one way or the other. Anything you could do to help with this situation would greatly be appreciated. Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported discrepancies with the credit bureau Equifax over four times, for over an year. Equifax continues to report the information has been verified. One account in particular that I have been asking to be removed is an account listed as XXXX XXXX XXXX. I have reported this account in at least four disputes. Equifax sent the following Dispute Confirmation Numbers, on the following dates : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX. 
Equifax continues to tell me this account is verified. I asked for " Method of Verification '', Equifax will not respond or provide documentation. I called the Creditors, XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that they had no documentation on me of the account that is listed on my credit report, due to it being transferred to a collection. If XXXX XXXX XXXX  can not verify their account to me, the person they claim was the account holder, how does Equifax continue to verify the account and allow it to remain on my credit report. 

I have also been disputing the account " XXXX XXXX ''. Equifax continues to state this account is verified as well. I got in contact with the company " XXXX XXXX '' company as well. " XXXX XXXX '' provided a letter that they could not provide with documentation or proof of this account, but sent a payment history. A payment history is not proof of an account or a contract. If XXXX XXXX can not provide documentation, again, to the person they are claiming owns an account, how is Equifax verifying this account.
Product: Vehicle loan or lease

Mariner Finance LLC sold my auto loan to another lender in XX/XX/2018. It is now XX/XX/2018 and I still have not been notified that my loan was sold or who it was  sold to. I learned about it being sold by my credit report. They are still holding a lien on the vehicle as well.
Product: Credit card

I signed up for the credit card through a promotional period where if you purchase things over {$1000.00} you get 12 months 0 % interest financing. The deal also had a 5 % credit back on all amazon purchases. I purchased a laptop for around {$13000.00} which would have built up interest that would be charged to me if I did n't pay it back by 12 months. Since the 5 % credit is nice for purchases made off Amazon, I purchased a few things and then submitted payments to cover them thinking they would be applied to the purchases I made that would have immediate interest charged. I was wrong, the payments I made were applied to the promotional balance instead, so the credit card company was then charging me interest for the purchases I made to receive the 5 % credit. 

When I noticed this I called them directly and asked a customer representative about this and to see why the payments were not being applied to the purchases that would charge me immediate interest. He said all payments go towards the promotional purchase before I can pay the immediate interest payments. I asked him if there was any option to make payments for the immediate interest and he told me no. Very upset, I go on the website and make a big payment and then browse around on it for a little while, but I noticed that their was a section showing that you can choose where to allocate the payments .... This is severely wrong, the customer representative lied to me, told me there were no other options, making me think that I would have to be paying interest until I paid off my laptop. I also feel wronged that the allocated payments were not directed towards the immediate interest payments rather than the deferred interest. 

It is tough to have time to read every single pamphlet/notice credit card companies give you and when employees lie to you about the payment policies that is very shady and the employee should be punished for such a thing. This is one of the reasons american 's are finding themselves in debt. 

On top of that their website is ridiculous and incredibly hard to log on too. They have crazy strict password restrictions, I swear it seems like they do n't want you to be on top of your finances.
Product: Credit card

I am writing to formally lodge a complaint against Navy Federal Credit Union ( NFCU ) for unfairly denying me access to my accounts, which has caused significant financial and emotional distress. Below, I outline the key issues and request the Consumer Financial Protection Bureau 's assistance in resolving the matter. 

Navy Federal Credit Union has blocked and restricted access to my personal and business accounts, including my credit cards, based on information from a third-party entity, XXXX. A transaction conducted through XXXX was flagged as suspicious, leading to these restrictions. Despite my efforts to resolve the matter and prove my accounts good standing, I have been unable to regain access. 
I filed a complaint with XXXX XXXX XXXX XXXX XXXX, the entity associated with XXXX, to clarify the status of my account. XXXX XXXX XXXX confirmed that my account is in good standing. I submitted this proof to NFCU, yet they continue to deny access to my accounts. I have filed a second appeal with NFCU, but as of now, I have not received a resolution. Meanwhile, NFCU has been demanding payment for credit cards I am unable to access. I also filed a complaint with the National Credit Union Administration ( NCUA ), who advised me to file this complaint with the CFPB for further assistance. Due to these restrictions, I have been unable to pay my bills or make timely payments on my NFCU credit cards. 

This is entirely out of character for me, as I have a strong history of timely payments. 
Late fees and negative impacts on my credit report are likely accruing due to this situation, further exacerbating my financial strain. This situation has caused me undue stress and frustration, as the issue could have been resolved if NFCU had verified the information with XXXX XXXX XXXX in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address to request my free credit report from Equifax on XXXX XX/XX/2020. Sent a certified letter with a copy of my Department of Veterans Affairs ID card, and a copy of my Social Security card, copy of bank statement and two letters showing proof of address on XXXX XX/XX/2020. Equifax refuse to update my address and send me my free credit report by mail, yet they was billing me for online access to Equifax.
Product: Credit card or prepaid card

Hello I was shopping for a vacation with wife and child I came across XXXX XXXX  thinking they had a bargain for flight tickets, I made a purchase than realized not so great of a savings. 

I canceled the purchase I was told I will get a refund I have an email confirmed the refund. Refund was given but than XXXX XXXX  made an unauthorized purchase on another airline on a different date. Once I realized that unauthorized purchase was made, I contact my credit card company Barclay master card had them investigate and cancel my credit card. XXXX XXXX  rebilled me and Credit Card company is complicated now and is not much help and should have never let the merchant rebill me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, MA ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/ ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Student loan

i was effect by covid 19 and they reported XXXX late payment from XX/XX/XXXX until XX/XX/XXXX on my credit report and will not still remove after goodwill and explain i losed my job due to covid 19
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

We had gotten a loan from titlemax in XXXX ga we only had gotten a XXXX dollars loan and it seem like we haven't paid the interest down we still owed XXXX dollars but our payment was {$350.00} and it seem like anytime you left you have to restart loan all over again which is a rep off So they came and got the car now they want us to pay almost XXXX dollars to get back and none of that was in agreement, please look into it's the title max in XXXX ga XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had my loans transferred from XXXX to Mohela in XXXXXXXX XXXX XXXX  My credit reports still indicate that the accounts are still open, though it has not been updated since the transfer. I contacted XXXX XXXX to determine the root cause and if the error could be fixed. XXXX indicated that the transfer was done correctly on their end, and for me to contact Mohela to fix the problem. 
I contacted Mohela XXXX and described the issue and what XXXX informed me and instructed me to do, and Mohela indicated that the acceptance of the loan transfer was executed correctly on Mohela 's end, and Mohela suggested that XXXX erroneously left the accounts open. 
The consequence is that it looks like I have 14 open accounts when I have 7 open accounts, with half the amount due. 
The impact of this artificially inflates the total debts I owe to the credit bureaus, and that any entity that obtains my credit report denies applications because of the faulty information that has not been resolved.
Product: Credit card

Hello, My Capital One credit card account has charged off on my credit report. I did a balance transfer in XXXX XXXX from Capital One to another credit card in order to consolidate. On XXXX XXXX, XXXX, I received my FIRST phone call from a collection agency that works with Capital One. Apparently I have a {$5100.00} balance on my Capital One card and Capital One has not received a payment in over 6mths. This is the FIRST communication I have received from Capital One in regards to this matter. They stated the balance transfer never went through and the account has now charged off. I scheduled payment with the collection agency immediately to pay the full amount that is in sitting in collections. My payment history with this company has been stellar until XXXX XXXX, when I assumed the balance transfer took place. If I would have been informed 30-60 days after missing a payment I would have ensured to take care of the matter. How is it possible that a company NEVER reaches out to the consumer in cases like this? 
Desired Resolution : Correction to a credit report Desired Outcome I would like this charge off removed from all XXXX credit bureaus due to the fact I was never properly notified. My payment history with Capital One has always been perfect until this matter. I feel that Capital One has a duty to contact consumers within 30-60 days of a payment being late in order to avoid situations such as this.
Product: Debt collection

From the very beginningXXXX XXXX XXXX XXXX XXXX  has proven not to be the wonderful vacation/real estate investment that we were sold. Weve had it for nearly 12 years and have only used it once. That alone should prove how useless it has been for us. What was explained to us verbally during the90 minute presentation ( which actually turned out to be closer to eight hours ) is not what we received. XXXX XXXX sales representative totally contradicted what was in our contract. We were told we were purchasing real estate and it would be profitable to us, they even said we could rent it out and make money on our prime real estate, but actually selling this or finding someone to rent this isnt viable whatsoever, especially with services such as XXXX being available. Large companies such as XXXX and XXXX are now renting out space in timeshares. Of course, they neglected to tell us this because it would put a wrench in the great pitch they were throwing us. We were told we would easily be able to exchange our timeshare to destinations all over the world, this has proven to be not true. Exchanging this timeshare is very difficult with increased additional fees. What caught us off guard the most was the rise in maintenance fees. We were told these fees would not rise, yet, we have seen a steady increase that makes this more and more difficult to afford. 

The whole ordeal felt shady and when we requested a copy of the deed and we never received one. That alone has to be a violation of some sort! How can timeshare companies continue pressuring people into entering a contract and not providing them with the terms of the contract? Weve contacted XXXX XXXX XXXX XXXX several times over the past 12 years to try and exit the contract, but they provided no assistance. These timeshares want people trapped in these contracts so they can continue to siphon money from us, but that is not something we can financially, or mentally, afford! 

Then, they brought Aspen collections into the picture. They have been consistently harassing us with phone calls and threatening notices. We never agreed to work with Aspen and want this handled directly through XXXX XXXX. We are in a misrepresented contract and should not be obligated to pay any further funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

I am experiencing an issue with Transunion. Transunion put a suppression on my credit report a few years ago. I noticed this has stopped me from accessing my credit report etc. I called Transunion and asked them can they remove the suppression off of my credit report. I spoke with a supervisor in the special handling the department they specified to me that they need a copy of my ID, with a detailed letter explaining that i want the suppression removed including the last XXXX  of my social security card. Which I did. However they declined my documents and stated that I would need to mail them a copy of my Social security card which I explained to them that I do not feel comfortable doing, and that a social security number is not proof of identity which the supervisor agreed with me. He mentioned that I can submit a copy of my social via email. On XX/XX/year> I did that. I called back in 5 business days, the special handling department claimed they did not receive and not sure where it went. I trusted a supervisor with the information he provided to me I submitted a copy of my full social and now no one knows which department it went to or who may have received it. Which is alarming to me because now someone can use my social. As of last week, I spoke with another supervisor in the special handling department name XXXX. XXXX explained to me that I do not need to upload a copy of my social security card, just submit a copy of my ID with a letter explaining that I would like the suppression removed. I did that via mail as XXXX advised me, he confirmed with me 5 times that I did not need to upload a copy of my social. I paid and sent my documents certified mail. They received them on XX/XX/XXXX. I gave them XXXX business days as the supervisor XXXX advised me. As of today XX/XX/XXXX I spoke with another supervisor in the special handling department. She explained to me that I have to submit a copy of my social security card. I explain to her that I did via email on XX/XX/year>. She said shes not sure why the last supervisor advised me to do that and now I would need to send a copy of my full social. I explained to her that I never put this suppression on my credit report, transunion is taking me through a lot just to remove this suppression I even did my research and it states that I should not have to upload a copy of my social and that a social security number is not proof of identity. I gave them a copy of my ID and provided them with the last XXXX of my social why is that not sufficient enough? She provided me with the name of this website and advised me to file a complaint through you guys. However this suppression being on my credit report is withholding me from accessing my credit reports I also can not access XXXX XXXX XXXX XXXX XXXX to even try to build my credit. I submitted documents to them over 3x. I want this suppression removed so I can move forward with accessing my credit report.