23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I've tried working with Regional Finance for sometime, trying to find a hardship solution. In XXXX, one person at the Branch here in XXXX XXXX XXXX, her name is/was XXXX, was able to assist me in lowering my payments from {$330.00} to {$160.00} a month. That was helpful, and I was able to make my monthly payments for about 5 or 6 months. 

In XXXX ( earlier this year ), I ran into additional issues with my cash flow. Mainly from medical debt that was sent to Collections, but also some other debts I was required to setup payment plans for. This caused me to be late on my rent ( I was late XXXX, XXXX and XXXX ) as well as fall behind on my phone service and internet service, which I've been trying to get back to current. 

When I talked with Regional Finance at this time, the only solution they could offer was to " defer '' a payment, which I agreed to. However this isn't a longterm, or permanent solution obviously. 

In XXXX, I played phone tag with XXXX, but she and I eventually connected. I explained to her my situation, and she suggested we try reconnecting in XXXX after XXXX 's statement period passes. She didn't know, or offer any solutions, but thought we reconnect. 

On XX/XX/XXXX, XXXX from the local office called me 3 times, and before I could even respond, called my sister twice. I feel this was unnecessary and meant to embarrass me. I called and spoke to XXXX and voiced my frustration with her and what she did. I told her I didn't want her to call anyone else but me. I asked for XXXX, but she was not available. 

As of today, I've not spoken to anyone at the local branch since, and would prefer not to. XXXX is the only one that is respectful, and tries to help. Everyone else including the branc

h manager come across as demanding and unempathetic. No one seems to be able to offer any solutions. I'm filing this complaint, as I hope someone from the Corporate office who receives this, w
ill be able to work with me in finding a hardship solution that will work for all of us.
Product: Debt collection

Cashcentral is trying to collect for a payday loan ( s ) from XX/XX/XXXX acct numbers XXXX  and XXXX. I have had the same phone number since XX/XX/XXXX. Instead of calling me they had another company call my brother in NY, 2500 miles away. My brother is almost XXXX years old and lives with my XXXX  year old mother. The only reason to call my family and not me is to harass them to intimidate me. When I call the bill collecter at XXXX the collector refuses to give me the name of the company, the address or a real phone number. They gave me an address as a XXXX XXXX in XXXX  CA. The address is a sham. I dont know the name of this company to even file a complaint. On my last call to them I spoke to the manager XXXX who said that based on the nature of there business they can not give me there address.
Product: Credit card

On or about, XXXX XXXX I called Bank of America to check the approval for the application or denial for a credit card for XXXX XXXX XXXX small minority owned business XXXX dollars the company was denied the credit card. Therefore, I demand a certified finacial bank statement from denial I was told first for all I was told I never filed an application from branch on XXXX in XXXX New Mexico where company filed application a week before the banker called to check to see has the company fill out the application they said no application was submitted ( see phone recording on XXXX XXXX at Bank of America XXXX XXXX XXXX. In XXXX New Mexico ) XXXX XXXX tried to make me leave after they said the company never submitted an application for the credit card so I demand to go farther and called higher ups finally the credit analyst admitted they see the company application and it was denied so I asked for a certified finacial bank statement from the or where I get the certified finacial bank statement and I was put on hold for at least XXXX minutes before the credit analyst got back on the phone now he want to speak with me and I got the phone from the banker and said hello the credit analyst told me he couldn't get me that or don't know how to assist me I asked his named he said XXXX XXXX the credit analyst for Bank of America he was very rude told me I can't get no certified finacial bank statement and we had some Lil words back and forth and he continued to lie about I can't get a certified finacial bank statement for the bank or he don't know what to tell me and hung up in my face while I wasn't done talking about the issue. Banker there at XXXX XXXX  saw and heard how I was treated like dirt lie to multiple times and I was judge by my skin color because if you can approve to me they treat everyone like they did the company not letting them receive certified finacial bank statement I'm wrong hung up while talking say they don't know how to get it and no we can't assist you man this XXXX ( see phone recording on XXXX XXXX in Bank of America XXXX Bank of America playing with my mental I feel so bad It hurts my core to be treated so wrong if Bank of America only knew how I feeling about that situation I want Uniform Commercial Code to get this as well if you don't mind forwarding this statement that will be helpful I want to sue Bank of America insurance policy now. For treating there they practice like they above they practice and please respond ASAP thank you for your valuable time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. While examining my updates, the fallacious information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax Credit Bureau was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card or prepaid card

In XXXX of 2022 I changed my XXXX account and after doing so I no longer had access to my Apple Card ( this is a XXXX managed by Goldman Sachs ). You can not switch the card from one XXXX account to another so I asked to cancel the card. There is no phone number to call and the only way to communicate with the company is through text messages. on XX/XX/2022 in spite of spending an hour texting back and forth they would not cancel my account.
Product: Checking or savings account

I XXXX XXXX opened a XXXX CD at Citibank with an interest rate of XXXX XXXX, with {$250000.00}. It matured on XX/XX/2024, and when I close the account on XX/XX/XXXX, XXXXthe interest should have been {$8900.00}. However, the bank issued a check for {$8800.00}, shorting me {$3100.00}. Despite multiple attempts to resolve the issue, both the bank staff and customer service have shifted the blame to the bank 's system. After three weeks passed, I contacted Citibank headquarters on XX/XX/2024, but they refused to reimburse the difference.
Product: Credit card or prepaid card

On XX/XX/XXXXat XXXXXXXX XXXX, the Amazon delivery person arrived at my house to deliver the order XXXX. When he handed it to me, the box is damaged and the driver made some weird comment about the product I purchased. I didn't pay attention to it but receiving the damaged box because I was on an online meeting. When I opened the box around 5 minutes later, it's an total empty box full with brown papers. 
I contacted Amazon customer service right away, the next day, XX/XX/XXXX, I received an email from Amazon 's team saying that the package showed delivered, so the only way for me to start the process of getting refunds is to provide a completed police report. Amazon never provide more details but make the assumption base on what shows on the tracking, despite I received an empty box. 

I contacted Synchrony, Amazon store card issuer, on XX/XX/XXXX when the transaction posted on my account. I received an letter from the bank on XX/XX/XXXX stating during the reviewing process, a temp credit will be providing. However, I've contacted Synchrony five times since, and they all confirmed that the dispute is under reviewing but the temp credit has not in my account for some reasons they couldn't answers. 

I've provided every evidence including official police report ( XXXX ), as well as all email communications Amazon and I had in which Amazon stated that the refund will issues once I provided official police report, which I did on XX/XX/XXXX. 

The order details : AMAZON XXXX XXXXXXXX XXXX  XXXX EQUAL MONTHLY PAYMENTS 0 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHIPPING AND TAX XX/XX/2023 {$4200.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from XXXX. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : 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 
I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Product: Student loan

In the summer of XXXX I started having problems with my student loans. I had not been working for almost a year and it was time to recalculate my payments I initiated a recalculation over the phone and was told my payment would be set at XXXX $ and then I double checked later in the next month I saw that it was indeed set at XXXX $ and I have a screen shot showing XXXX $ due and paid. Then XXXX of XXXX I discovered in my junk email that I was defaulting on my loans. I immediately called and had account placed on an administrative hold was trying to have credit cleaned up and payments set back to appropriate income based repayment. I have spoken to customer service reps numerous times I have been told multiple times the repayment should be at XXXX $ and my credit would be restored.. I am a dependent of an XXXX in the XXXX with a XXXX XXXX XXXX. I have spoken to them at least 20 times and reached out to my congressman for assistance in this matter. I am at a loss as to how to make this right. I am being told currently I am past due and owe almost XXXX $ a month which is out of line for my family size and income.
Product: Checking or savings account

My problem is with Chime, Credit Card and XXXX XXXX on XX/XX/XXXX. I was alerted at about XXXX XXXX  and asked if I was making a transaction of {$300.00}. I said no immediately I was asked to call Chime and speak with a representative right away while I was on the phone with them trying to get my card turned off three more transactions came through within six minutes and between XXXX and XXXX XXXX  A transaction of XXXX went through another XXXX last transaction {$100.00}. I had them shut my card off and file the dispute. I also called and filed the police report. I have called the store manager at XXXX on XXXX XXXX and XXXX XXXX California. she said it clearly was not me, there was a woman trying to use several different cards of mine and was unsuccessful and she believes that somehow she bypassed my password and ran it credit that she would burn a copy of the video that her name is XXXX. She is the store manager and her assistant store manager is XXXX, and the detective can come in anytime and pick up the video XXXX XXXX Police Department and asked a detective to pick up what she called me later and said that he did pick the video up I sent chime pics of the police report And all supporting documentation that I could possibly give them as to my phone call to Chime pictures of the transactions and what time they came over and the timeframe that I was on the phone with Chime and theyre saying theres no errors detected I have Done For rebuttals and have been denied for the total of five times now with really no explanation other than theres no air detected they have given me no proof of an investigation or any determining factors and investigation a police report phone calls with the store manager of a video a letter to Chime and I have tried to be professional and courteous the entire way I need help getting my money back 100 % total and permanent XXXX veteran XXXX  XXXX on a fixed income. I shouldnt have to be fighting for my money when its FDIC Insured I have called the OCC. I have contacted the XXXX XXXX XXXX and I have contacted the fdic
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, Experian, and XXXX ) Thank you.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Debt collection

I visited XXXX XXXX on XX/XX/year>, and the front desk never informed me that I was being double charged by both the hospital and the doctor. I paid my doctor 's visit fee of {$120.00}, as the staff member only mentioned that amount. Now, the hospital is trying to charge me an additional {$870.00}, and I have no idea where that charge comes from. The only official charge I received was for the XXXX XXXX, which was {$440.00}. Its concerning that the hospital uses such unclear shady practices, leaving patients unaware of any hidden charges. Additionally, I am now being harassed by a company called Franklin Collection Services, which is contacting me with calls and letters demanding payment for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$230.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit report. I do not owe XXXX XXXX {$620.00}, and this is erroneous, not true. I have disputed with Experian a few times and I am still being overlooked. I will seek legal actions if this inaccurate collection account is not removed. This is bogus and I will prove in the courts of law.
Product: Vehicle loan or lease

A REVIEW OF THE PROBLEM : I successfully set-up an account with Mazda Financial Services to auto-deduct monthly payments after purchasing my vehicle in XXXX, XXXX. However, since successfully setting-up the MFS account, I have been locked out of it. While I do not believe this is a nefarious attempt to keep a customer from accessing the MFS portal, I can not be certain, and as a consumer, believe I have the right to access my online account, should I desire to do so. I have talked at length twice with MFS representatives ( all very kind by the way and legitimately eager to help me ) on XX/XX/XXXX, and XX/XX/XXXX. However, no one has reached out since XXXX, and no additional options have been made available, other than those outlined below, which have all failed. 

I mentioned in my correspondence that I would send my next communication to record my issue with both the CFPB and the FCC XX/XX/XXXX. They will receive a detailed letter, along with my call records and all issues as outlined in my first and second letters. While MFS has not ignored my issue, theres been no resolution and I feel that the problem has been underappreciated by MFS.

I have : Verified with MFS that my email address is correct in the Mazda Financial Services system ( sent email address ). 
Tested various browsers XXXX XXXX, XXXX, XXXX XXXX. 
Tried BOTH XXXX and XXXX XXXX  ( and all browsers, other than XXXX for XXXX XXXX to resubmit, then check email for verification codes. 
Contacted customer service twice each escalated to a higher level with no results. 
Followed instructions to login for NEW verification codes they expire for each new session. 
Checked for the verification email directly in XXXX XXXX with no results no email ever arrives. 
Checked ALL SPAM filters, plus email programs I use in personal mobile devices, and desktop.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry from SYNCB National Credit Cards/Airlines, showed up on my credit report through XXXX XXXX. When I call or email regarding this, all I get is the run around or pushing it back onto the other company. I have never applied for XXXX XXXX for any medical bills, etc. 
XXXX XXXX tells you to contact the credit bureaus, but then XXXX tells you to contact Synchrony ....
Product: Credit reporting or other personal consumer reports

For the past 6 years credit karma has performed soft credit pulls on me every single month. I have asked them to cease and desist and they said that that isn't available. whatever that means. I told them to cease and desist and they will not. they don't have permission and its XXXX me off. they need to just stop it.