23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We received a bill from Synchrony ( sams club  ) with the recurring yearly fee to be a member. We called and cancelled our membership and requested the yearly fee waived on XXXX XXXX. We received correspondence stating that the fee was still outstanding about a week later. I again called Synchrony and requested this fee waived. Again we received correspondence via mail or a robo call stating the fee was still pending. Numerous calls were made and each call we were assured the fee would be waved. Each time I requested a letter stating that the fee was waived. On XX/XX/2024 we received a letter stating that we had a XXXX balance. Again after receiving the letter, calls and letters still arrived. XXXX calls were made dealing with this matter and still no result. This is terrible customer service and no consumer should have to endure this type of harassment, especially when we have called numerous times to correct situation. Finally after receiving a call pertaining to to this fee, we called for the XXXX  time. This time we asked for supervisor on XXXX. Supposedly they a correcting this charged fee. Still do not know the outcome yet.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I have received several notifications from KeyBank about changes to my personal accounts that were not authorized. These changes are done using their digital platform- Online Banking. My email address has been changed and bill payees have been added. While these changes don't impact my balance they do make me worry about fraud on my account. 
I have contacted KeyBank several times regarding this issue. I'm asked to change my password and I'm assured I have been removed from their 'test environments ' and it won't happen again but it does. 
Unauthorized activity and bogus notifications should not be sent to clients. 
Most recently, I received an email on XX/XX/22 indicating I added a payee - Test payee2 on XX/XX/22.
Product: Checking or savings account

I have moved from XXXXXXXX XXXX to a new address in XXXX. Although I have sent number of address changes, Commerce Bank have not updated in their systems, and they were not able to reach me. When I finally went into the branch ( It is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in 2015, I had a remainder of {$930.00}. At this branch, no one could explained to me why the bank had closed my account without my consent. I had been to the exact same location and had utilize the account. They said that my money was handed over to the Consumer Financial Protection Bureau and that I need to chase after. I filed a complaint, but I still have not heard from the. All I have currently is the old statements addressed at my old home, and a checking number at Commerce Bank. Checking # XXXX.
Product: Payday loan, title loan, or personal loan

NOTICE OF WAGE WITHHOLDING Hello XXXX, We process wage garnishment orders on behalf of your employer, XXXX XXXXXXXX XXXX XXXX 
We received a Writ of Garnishment order on XX/XX/2022, which requires your employer to deduct wages from your pay. These deductions may begin within the next one or two pay periods. 
Want to view a copy of this order? 
Click here Link will expire on XX/XX/2022 On a {$300.00} dollar loan they are charging 699.04 % which what they are saying I need to payback {$1300.00}. That is outrageous. I know the loan has to be paid back but not at that rate.
Product: Credit reporting or other personal consumer reports

I locked out of the myequifax.com online account. 

All attempts to login and/or reset password end up with same error msg " we are temporarily unable to complete this request ''. 

I've talked with four agents. All follow the same steps and end by saying it will be escalated and I will be contacted within a week. I have not received and follow up or fix. 

I see other people complain about same issue online. It's possible that it started because equifax had my old address. But that was updated by the first agent that worked with me. It did not help. 

I first called equifax on XX/XX/year>. I have called five times including today, XX/XX/year>.
Product: Mortgage

On 06/2016 PNC MORTGAGE informed us that they purchased our loan from   XXXX   XXXX   XXXX   They sent a letter stating the will be receiving our payments and nothing else about the loan will change. During this transfer our ins was due and we assumed the escrow in our accountwould handle this. However, the ins notified the mortgage co for remittance of payment. They, informed us that there was no response. We assumed that the ins was being paid from our escrow like always. It was n't paid and PNC did not inform us of this until this  XXXX . THey want to charge us {$1900.00} for ins for that time period. I do n't mind paying some ins. But 3 times the amount is horrible. THey purchased the loan. We had nothing to do with that. I feel they should have informed us that the ins expired and they should have paid it from the escrow. IAm   XXXX   years old and can'tafford this. I agree to pay something, but not thus amount. THankyou for your help in this matter   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a 30 day delinquency reporting on XXXX  for XX/XX/2018 and on XXXX for XX/XX/2018. I have never been late on payments on this account. I attempted to rectify this with the bank numerous times but they fail to provide billing statements reflecting late payments. I also typically reach out to the bank to confirm payments to ensure no payments are due and each and every time I advised all payments are up to date. Specifically I called during the XXXX, XXXX and XXXX of 2018 due dates and I was told by the representative no payments were due as all payments were met. The 30 day delinquency reporting on my credit profile is incorrect as I have never missed multiple payments for consecutive months on any of my credit cards. Also the reporting against all 3 bureaus are incorrect as two bureaus state I was 30 delinquent in XX/XX/2018 and one states I was delinquent XX/XX/2018. 

This bank has tarnished my credit tremendously with the reporting of this incorrect 30 day delinquency. I am looking to receive help with this or look to take legal action as this reporting is a form of unfair treatment due to the incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX 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

What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my Experian score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
Experian, XXXX and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three
Product: Checking or savings account

Over the years and many accounts with navy federal credit union I was charged on many of my accounts fees for things to include overdraft fees even when our accounts were victims of fraud & charged thousands of dollars in fraudulent charges we were still charged overdraft fees & not refunded our money despite reporting the fraud until days sometimes as long as a week later before they fixed the fraud issues. Never refunded the fees
Product: Checking or savings account

Back in XX/XX/2020 I contacted the bank known as BBT due to my account having funds stolen from them or someone having access to my account without permission, they advised me to change my password and my username, I did as instructed! During the following 2 years after, I kept expressing concerns about my account to them, they continued to cancel cards and issues new ones never suggesting closing down my account and opening a new one, due to them never checking into these issues, I was evicted from my homes 2 times and also filed XXXX  2 times which has caused me so much stress and emotional Turmoil and embarrassment and is unacceptable!
Product: Credit reporting or other personal consumer reports

I am writing to formally address my concerns regarding the improper investigation procedures conducted by ( Equifax, XXXX, XXXX ) The methods employed have not been effective in helping me correct the ongoing issues on my credit record, which are significantly impacting my financial well-being. 

I have accounts from another state that are inaccurately reflected in my report, and despite my efforts to seek assistance, I have not received the help I need from the credit bureau. This lack of support and proper investigation is a clear violation of the XXXX XXXX XXXX. 

I urge Equifax to reevaluate its investigation processes and provide the necessary assistance to rectify these inaccuracies promptly. The current situation is causing undue stress and hardship, and it is imperative that these issues are resolved without further delay.
Product: Debt collection

Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Student loan

Yes I am totally XXXX cant XXXX or XXXX XXXX XXXX of my right arm I am on a fixed income have too pay for medication food rent I have sent all my papers and they said they didnt receive it
Product: Credit reporting or other personal consumer reports

I want to remove the extended fraud alert on my Equifax credit report. I can't get through to Equifax as the recording STILL says they can't verify my identity. The website as well as the Fraud Alert Request Form says a consumer can remove fraud alerts from the website. However this isn't true. I'm stuck in a loophole because Equifax isn't giving consistent and accurate information.
Product: Mortgage

My mortgage is with U.S. Bank. My partner XXXX earlier this year and I provided U.S. Bank with the paperwork to effect the assumption of the mortgage into my name only. Since that time ( XXXX XXXX ), I have been unable to access my account online, creating issues with my payments and ability to monitor my mortgage. Every time I click " make a payment, '' I am presented with an error message. 

I have had literally dozens of communications with U.S. Bank, both on the phone and in writing, since first contacting them about this issue on XXXX XXXX XXXX. The problem remains unresolved. While the customer service person with whom I have contact has tried repeatedly to fix the problem, she has been stymied. U.S. Bank is blaming XXXX XXXX, allegedly the software provider for the mortgage system. I have had multiple conference calls with them, logged on through a portal so that they could capture the " handshake '' between US Bank and XXXX XXXX and the error logs. The last thing I heard, XXXX XXXX had failed to capture the logs even though we had a special meeting with them for this express purpose. XXXX XXXX has also allegedly closed the " ticket '' for my concern at least once, even though this issue is not resolved. 
I have been told that other people who had assumptions of U.S Bank mortgages have had the same issue. 

There is no ETA to getting this issue resolved. Please help.
Product: Consumer Loan

Back on XXXX XXXX I made a payment plan with CashNetUSA and was told that as long as I made a payment of {$38.00} for the next year that I would be good. Well that was nor not the case on top of the {$38.00} payment that I made they said they were to take out another {$100.00} on the XXXX.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a {$38.00} payment for the next year to get the loan paid off I never agreed to have them take out an additional {$100.00} a month on top of that payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted credit acceptance many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.
Product: Credit card

Goldman Sachs has responded to complaint XXXX claiming to rule in my favor but just reversed it today.
Product: Consumer Loan

I recently returned a lease to Lexus, which was financed through Lexus Financial Services. As part of the negotiation to return the lease and enter into a new lease, Lexus agreed to settle the remaining balance on my account. The account had a balance of {$1800.00}. Lexus applied a waiver for that amount to my account, which I can see is posted on XXXX/XXXX/2016 when reviewing the online account history. However, I recently received a notice from Lexus Financial Services indicating that I owed a balance of {$1800.00}. The notice was dated XXXX/XXXX/2016 and indicated that I needed to pay that balance in full on XXXX/XXXX/2016. I contacted Lexus Financial Services on XXXX/XXXX/2016 and was informed that my account had been placed with the XXXX. I spoke with a representative ( XXXX, ID # XXXX ) and he informed me that he did not see the transaction in that amount in the notes he was reviewing on the account ( which is separate from the accounting system ), and that my account still has a balance of {$1800.00}. He informed me that the waiver was not a payment on the account, and rather that the balance was moved to a closed XXXX number account. None of this had ever been explained to me when returning the lease, and when talking with the dealer they informed me that the balance would be settled in full. No one had ever explained that I would have a " closed account '' established for this balance and that the balance would be due immediately. I am concerned that this was a deceptive act on behalf of the dealer and Lexus Financial Services, and that they led me to believe that I had closed my account in full when in fact the balance was moved to a separate account without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fas fair crediting act 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 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)

15usc 1681 section 602, A
I have the right to privacy
In accordance with the Fair Crediting Act 15usc 1681 section 604 A section 2 :
A consumer reporting agency cannot publish any account without written instruction.
Product: Debt collection

I asked several times to have account verification. I even called XXXX and they could not validate the account. I keep disputing this account and somehow they say it's verified. They haven't sent me the original contract with my signature or any proof that this account is mine. {$350.00} is the amount owed in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted XXXX accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
Product: Debt collection

I forwarded an email requesting that such behavior cease. I am also going to send a letter making the same request.
Product: Debt collection

I found the collection on my credit report and call the company and asked for verification of debt. They asked my address I told them however they had the incorrect address.
Product: Student loan

My loans were DISCHARGED in XX/XX/XXXX. I have the IRS FORM XXXX that shows " Cancellation of Debt '' in full ... Nelnet has now, in XX/XX/XXXX, been harassing me over 20 times now ( phone harassment, email and mail ) wanting payment on a debt that was DISCHARGED.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I submitted disputes to XXXX, Equifax and XXXX to get several issues resolved to no avail. 
All companies listed are in violation of the Privacy Act of 1974, Fair Credit Reporting Act 15 U.S.C 1681b and the Federal Educational Rights and Privacy Act ( FERPA ) 15 U.S. Code 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party Most Important is the violation of [ 16 CFG 313.3 ] DEFINITION ( o ) Personally identifiable financial information ( 2 ) Examples ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX 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 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