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

I opened the Santander Bank " Ultimate Cash Back '' Mastercard at the branch because I was told I would have interest-free cash advances for a year. This turned out not to be true. I already filed a complaint with the bank which was resolved ( they refunded my interest charges ). Now there are fraudulent charges being made to the card. I tried to resolve this. The charges were removed, but keep reoccurring. I asked for my account to be closed but the bank did not close my account. I emailed several times with the regional VP XXXX XXXX XXXX who told me several times that I need to call customer service, which I also did several times. ( Note that I am currently working in XXXX XXXX so this was difficult with time differences and no toll free number from here. ) Customer service initially reversed the charges and told me my account would be blocked, even though I clearly asked my account be closed. The account then continued to rack up fraudulent charges. I can not file claims using the bank 's website or phone app, the only way is to call. I have repeatedly asked to close the account. I need help to close the account.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Consumer Loan

I have a loan with Kia Motors Finance. I purchased a new vehicle and XXXX XXXX XXXX XXXX paid off my Kia balance but there was a {$330.00} over-payment. I contacted Kia and they said that they will not look at refunding the over-payment for a minimum of 20 business days. This is more than double the amount of time allowed by Expedited Funds Availability Act for financial institutions check hold times. My account reflects a XXXX balance despite the fact that Kia Motors Finance refuses to act on the over-payment refund until their unreasonable and unfair waiting period of 20 business days expires, which will take at least 30 days before I receive my funds due to me.
Product: Payday loan, title loan, or personal loan

I took our a loan on or about XXXX XX/XX/2020 and used my vehicle to secure the loan. There was an issue with the paperwork and I was offered additional funds to help set off the payment that was charged. I accepted the offer for the additional funds and had to resign the loan as a result. In part I opted to have insurance on my loan as well in case of loss of job or sick ect. During the qualification process for the loan both of my jobs were evaluated and I was approved and received funds electronically. My payments were set up for auto pay in which was fine until I got fired from one job. I then notified OneMain via  XXXX XXXX XXXX via email at ; XXXX. I had not heard anything for a couple of weeks when I decided to call. I spoke with a young lady who said that there was a error in the form and that they presumed that I was not on my job long enough to be covered by the insurance and that I was ineligible because of it. I then stated to the woman, her information was not correct and that I was still employed by one job that later laid me off the following month due to COVID19. I advised her that I would send over documentation that was provided to me via the employer and the office of unemployment. She the advised me of the email address to send the documents to and that was the end of the call. Some time later during the following week I called the the representative Ms. XXXX at the XXXX, VA branch where I signed for the loan and explained to her what happened and she said that she would call on my behalf to find out what in fact is needed to proceed with the claim. During the waiting period for her to call me back I receive written correspondence requesting documentation that was in part provided. At this point I am confused when I receive a call stating that the insurance portion of the loan was refunded without my consent or knowledge. I was within my rights to file a claim and are eligible to receive benefits. However, someone took the initiative to cancel that portion of the loan and now I am being denied for not having coverage. This is not fair because they don't want to pay. We did not anticipate a crisis nor did I anticipate being out of work. However, being a responsible individual I did accept and sign for coverage just in case anything were to happen. I will attach documentation and can provide a contact via fax as the documents are too large to upload at this time. They are wrong for this and it should not be allowed for them to cancel coverage that I opted for on my loan as part of a contingency to have the loan. If a new form is what was needed to proceed they should have just asked for that and not just deny my claim and then go further and cancel the coverage all together. That is very deceptive business practice.
Product: Vehicle loan or lease

Our vehicle had damage and needed to go to the shop. While it was at the shop, they tried several things, and then determined ultimately, it needed a new motor. The motor was out of stock and on back order our vehicle was in the shop for nine months. Because the initial incident was caused by us they only refunded us the out-of-pocket expense we made for the rental car. They denied a buyback, even though it was in the shop way longer than what the buyback considers a lemon. I went through all the processes just like filing through the XXXX, but they are literally biased. GM access is their system to make notes, and when they denied it, and I tried to dispute it, I was basically told there was nothing that I could do that theyve made their decision, There is no basis there was in fact a new motor needed. during this process, we started carefully looking over our finance agreement, and thats where we noticed that we were charged for items that were already included. In our loan we were not offered other insurances, like XXXX, in addition, our down payment was added to the price of our vehicle and not subtracted, the fees are outrageous and I can get nobody from fountain auto mall to call me back. This has been a horrible experience and its almost put us into bankruptcy and no one will help us. our finance companies, Gm Financial, and even though we explained the situation that we were going through a hardship and that we were having to pay for a rental vehicle out-of-pocket, they did not care they only deferred our payment which added interest in charged us, outrageous, late fees, and basically told us well you signed the contract. We tried reopening the XXXX  case, and it was immediately denied because they didnt even realize that as soon as we picked our vehicle up, there were more issues that were manufactured defects.. they took no concern with it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isXXXX  XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts are constantly reporting on my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to an account that appeared on my credit report from XXXX with balance of XXXX something balance. THis is brand new account added on my report i own two XXXX XXXX accounts i do not own this one. 
Also I have multiple inquires that just appeared on my credit report. 
I have not authorized these inquires and they are completely fraudulent. I am victim of identity theft please remove these inquires as they dont not belong to me along with this one XXXX XXXX account. Inquires that are fraudulent are XXXX, XXXX, XXXX  XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX This is the fraudulent account please only remove this account Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/2019 Account Status Open Payment Status Current Status Updated XX/XX/2019 Usage 89 % Balance {$890.00} Balance Updated XX/XX/2019 Credit Limit {$1000.00} Monthly Payment {$35.00} Past Due Amount - Highest Balance {$890.00} Terms Revolving Responsibility Authorized User
Product: Credit card

I referred my friend, XXXX XXXX, to open a Venture XXXX credit card using my referral link on XX/XX/year> and he was approved that same day using my link. Capital One never posted the referral bonus in the form of XXXX miles to my account as promised, despite this referral qualifying based on their own terms and conditions. I am seeking the XXXX miles that Capital One owes me in the form of a referral bonus. When reaching out directly to Capital One, they only offered me {$250.00} as a courtesy statement credit, despite acknowledging that I had met the terms and conditions of the offer and that it was a system issue that prevented me from earning the referral bonus automatically.
Product: Credit reporting or other personal consumer reports

[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, XXXX, and TransUnion, by failing to review all relevant information provided by XXXX, XXXX, and Transunion, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, XXXX, and TransUnion. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing 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: Student loan

Navient told me to get my form stamped. Then denied it again saying the date was wrong and the third time said was denied because my new school is not under the XXXX XXXX Program. I asked about the statement and I quote : " '' Deferment Only '' means that U.S. students may defer making payments on existing federal student loan accounts while enrolled in an eligible program at a deferment only XXXX university or college, but may not take out federal student loans for enrollment at the deferment-only XXXX university or college. '' I asked about that and they just said I must keep paying them monthly. Now my account is delinquent and I can not pay the loan and school at the same time. They have in their site a 48 month deferment period may be granted. Also I asked twice for a XXXX representative and just got a translator for a few minutes before he left and I had to keep trying to finish the conversation without help. 
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Product: Debt collection

I got an ominous sounding message on my home phone on Tuesday, XXXX XXXX, and I called back 5 minutes later. The person I spoke with would not give me the address of their company initially so I could send a cease and desist letter. Eventually they gave me the address but I 'm not sure it 's correct. The person said I owed some payday loan debts but could n't provide me with a copy of the documents proving I owed any money. I have no idea who this company is or what debts they claim I owe. 5 minutes after I talked directly to someone at the company, calls were made to my mother, my sister, and my work. All XXXX of those calls were unnecessary and a violation of the FDCPA. On Wednesday, XXXX XXXX, I got another call at my work number, and Thursday, XXXX XXXX my sister was called once again. All of these are clear violations of the FDCPA.
Product: Credit card or prepaid card

XX/XX/2022, I applied for a Chase Freedom Credit Card with 0 % Into APR for 15 months on all purchases and balance transfers. I enclosed a letter saying if I can't get a {$4500.00} credit line to transfer the full amount from XXXX over, then I don't want to open a credit card with Chase. On XX/XX/2022 I received a Fraud Alert from XXXX Flex Account. I replied I didn't have a card and yes it was fraud if the card was used. Then i got a letter from Chase on XX/XX/2022 saying they will transfer {$1900.00} from XXXX and I could cancel it by XX/XX/2022. It was past this date when I received it. I called them telling them what was going on and I didn't have a card yet and didn't want a account with them. I was hung up on. Now i got a bill for {$2000.00}. It has a fee charge of {$59.00} added on. This if Fraud on Chase XXXX XXXX.
Product: Checking or savings account

My complaint is with USAA Banking. I needed to change my checking account statement date to either the end of the month or the beginning of the month, versus the middle of the month where it currently is at now, for accounting purposes. This doesn't seem like a tall order, nor worthy of the insane effort I've had to put forth to get to this point, but alas here we are. I made the first of several phone calls back in XXXX of XXXX. Most representatives tried to change the statement date but were unsuccessful not offering any other solution to the problem. Twice I was told it was changed but would need to wait until the next month 's billing cycle to take effect. The next month came and it did not change. Finally one representative said he'd been hearing about the problem and would submit an incident ticket number in XXXX of XXXX. I never heard back. I tried a chat and then was told on the phone that this was closed as they tried to reach out by email ( I have no email record of this reach out and I receive and download all my billing statements via email from USAA so not sure how that got missed, and no voicemails either ). I am now being told as of XX/XX/XXXX that my statement date CAN NOT be changed per a new policy. So if my issue had been addressed in a timely manner by competent representatives, this change would have been able to be made BEFORE this policy took effect. The very fact that I can not get this changed now at all is unacceptable, this should NOT be a policy, but the fact that it could have taken place 5 months ago prior to enacting the policy, is utterly infuriating. I have been with USAA banking for 19 years. I am now seriously considering leaving this bank as this is not the first problem I've had with them over the past few years. I don't know what is happening with this company but it is feeling not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Inaccuracies and Misreporting on LVNV FUNDING LLC Account I recently identified multiple inaccuracies and inconsistencies on a credit account reported by LVNV FUNDING LLC, managed by Resurgent Correspondence. The primary issues include : Ambiguous Account Status : The reported status " XXXX '' is unclear and non-standard. 
Mismatched Account Type : The account is categorized as " INSTALLMENT '' but detailed as " Debt Buyer, '' causing confusion. 
Date Inconsistencies : The provided Date Opened ( XX/XX/2020 ) post-dates the Date Last Active ( XX/XX/2020 ), which is contradictory. 
Unclear Payment History : The status " CO, '' indicating " Charged Off, '' is repetitive without proper context or validation.

Missing Details : Key information such as Monthly Payment, Payment Status Commentary, and Date of Last Payment are either absent or ambiguous. 
Incomplete Two-Year Payment History : The reported payment history is inconsistent and lacks comprehensive data. 

These discrepancies have potential adverse effects on my creditworthiness and present a misleading representation of my financial history. Despite multiple attempts to resolve these issues with Resurgent Correspondence, they remain unaddressed. I'm seeking the CFPB 's assistance in rectifying these inaccuracies and ensuring accurate and fair credit reporting.
Product: Debt collection

I submitted a dispute with my credit bureau about fraudulent accounts negatively effecting my score on XX/XX/year>. I have a credit alert on my account because my information has been compromised. The consumer recently added notes to my report but has not made any changes. These accounts were not made by me and I would like these removed
Product: Consumer Loan

I had a loan taken out to help with school from Citibank. The loan went into charge off status XX/XX/XXXX. XX/XX/XXXX Citibank reported to the Credit Bureaus that I made a payment. Then XX/XX/XXXX, they reported that I missed a payment. I have not made a payment to Citibank since the account has been in charge off status XX/XX/XXXX. I tried to contact them but they do n't have a contact number, just a fax number. I faxed them and ask them to update the information. Instead of them updating it correctly, they reported to the credit bureaus that my account went into charge off status XX/XX/XXXX and then fraudulently reported that I have been making payment since then. Then fraudulently reported that my account went into charge off status again XX/XX/XXXX. As you can see in the supporting documentation XXXX, they are reporting that I have been making payment since XX/XX/XXXX, but at the bottom where it says " account history '', it says " DPR ', which mean date payment received, they report " ND ', which means no data. You absolutely right there is n't no data because there never was any payment made. When I call Citibank customer service, they also verify that I have not been making any payments but since they are not the credit dispute department of Citibank they ca n't help me.
Product: Credit reporting or other personal consumer reports

Despite XX/XX/XXXX Letter from MOHELA that my {$100000.00} student loan has been paid in full XXXX has continued to inaccurately maintain false and inaccurate information that I owe {$100000.00} Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, and I've talked to several BMW financial representatives where they mentioned that they've received the automatic payment from me month over month, but apparently there were extra charges that I was not made aware of excise taxes that was not calculated correctly. For my understanding, when I signed the contract for monthly payment, the F & I at the dealership made me believe that the monthly payment included the extra fees and excise taxes. Plus there are several inaccuracies with the credit bureaus. How is it possible that one credit agency is reporting no late that specific month and other shown error. Please update all those late payments to show on-time never late.
Product: Credit card or prepaid card

DiscoverCard contacted me at XXXX on XX/XX/XXXX to inform me that they needed to verify my personal information with the IRS  and that I needed to immediately sign a form allowing them access to my tax returns if I wanted to keep my account open. As a Discover cardmember at the time I complied with their request as I was a Discover cardholder in perfect standing with them, never a late payment, never a missed payment ). My account had been open approximately 3+ years without a negative issue occurring at any time. 

Discover shortly thereafter closed my account upon informing me that they could not verify my information with the IRS. I contacted the IRS  and they informed me that all of my information was correct. Discover representative informed me that the IRS did not verify the information and if they did she would not know any longer because they just closed my account without finding out if my information matched the information with the IRS. She very snarkily mentioned that I should have filed my XXXX tax returns by now ( XX/XX/XXXX ) and if I didn't it wasn't Discovers fault. This will have a serious negative impact on my credit score and my belief is that Discover acted with malicious intent. The IRS  confirmed that the information they have is correct. 

I had recorded the conversation with the representative at Discover and it is available upon request.