23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I HAD FINALLY GOTTEN THE ACCOUNT DOWN TO A XXXX BALANCE. I CALLED ON XX/XX/24 TO CLOSE THE ACCOUNT. THE AUTOMATED SYSTEM WOULD NOT LET ME GET THROUGH TO AN ACTUAL PERSON TO DO SO. SO WHEN I STATED I WANTED TO CLOSE THE ACCOUNT, THE AUTOMATED SYSTEM STATED IT COULD DO THAT FOR ME. SO IT ALSO STATED IT WOULD SEND ME A WRITTEN CONFIRMATION LETTER TO THE EMAIL ASSOICATED WITH THAT ACCOUNT, WHICH I HAVE NEVER RECEIVED. I NEED THAT CONFIRMATION LETTER. I HAVE RECEIVED OTHER EMAILS FROM THIS COMPANY SINCE THEN ABOUT SALES, ETC..... I NEED TO MAKE SURE THE SYSTEM CLOSED THE ACCOUNT AS I REQUESTED IT. AND IT SHOULD NOT BE THAT DIFFICULT TO SPEAK TO AN ACTUAL PERSON EVER IN REGARDS TO ANY ACCOUNT ISSUES. IT JUST WOULD NOT LET ME THROUGH TO A PHYSICAL PERSON TO GET THIS DONE. RIDICULOUS, AND FRUSTRATING.
Product: Checking or savings account

Chase.com, I have attempted to change my name after my name change order. I have sent it to them, filled out forms, went into a branch here and they tried to change it. They ended up sending me a new debit card with my old name on it and are making me switch it right now as I need my new name on my card. This is a huge burden to change everything again, and they are not responding well. They keep sending mail like I am a new message/question and there is no context kept. I am not able to get them to listen or do the change. I am asking every day in messages, and in person they seemed to say they could not do it. I am in a bad situation if I can not switch over to my new name as I need my name to be consistent for all the things. 

I don't understand how they are not able to just do it, I sent the paperwork, legally they have to. I feel like Chase is discriminating against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

started an account with Equifax at My Equifax I'm able to log in and get a message to give them a call the system says I'm not am to verify my info I sent them a copy of my paystub current bill and driver license I received my credit report and started a dispute. with a third party dispute results says items do not appear on my report yet they do. 
I can't get them to talk to me even tho I have confirmed my account details. 

Seems they want to keep negative items on my report
Product: Payday loan, title loan, personal loan, or advance loan

Dear [ Consumer Finance Protection Bureau ], I am writing to bring to your attention a concerning situation involving Firstmark Services, a predatory lender that has been uncooperative in reaching a settlement agreement despite my efforts to resolve the matter. 

The personal loan with Firstmark Services was initiated on XXXX with an initial principal amount of {$15000.00}, with an interest rate that accrues at a rate of {$11.00} per day. Despite my attempts to engage in dialogue and negotiate a settlement, the lender has failed to provide necessary information and has been unresponsive to my inquiries. 

I first contacted Firstmark Services on XXXX and subsequently on XXXX, requesting additional information and seeking a resolution to pay off the loan. However, I have not received any meaningful response or cooperation from their end. 

This lack of communication and cooperation has put me in a challenging financial situation, as the accumulating interest is making it increasingly difficult to manage the debt responsibly. I believe this behavior is indicative of predatory lending practices and warrants investigation and intervention. 

I kindly request that your office look into this matter and take appropriate action to ensure fair and transparent resolution practices are followed by Firstmark Services. 

Thank you for your attention to this matter.
Product: Consumer Loan

I returned a leased XX/XX/XXXX XXXX XXXX XXXX automobile on XX/XX/XXXX. About a week later I received a letter from Hyundai MotorFinance for {$1800.00} in excess wear and tear. It seemed to me that every mark on the car was considered excess wear and tear. Therewere XXXX scratches on the car, for XXXX of them they want $ XXXXXXXXapiece, and XXXX for which they were charging me {$250.00} apiece. 
After receiving this latter and ultimately a bill for {$1800.00}, I askedto see the car so that I could evaluate the so called damage. Theydenied me access, saying that the car had already been sent to thewholesaler for resale. My question was, if the car had so quickly been sent on, how could Hyundai have incurred anywhere near $ XXXXXXXXto repair it? I suspect that the whole exercise was only to extract moremoney from me. As I am retired, this amount represents a realinconvenience for me to pay, and therefore I am asking you toconvince them to modify the amount to {$500.00} or less. 
This amount represents XXXX of the scratches that I realize wereexcessive, and for which I am willing to pay.
Product: Debt collection

This collection account popped up on my credit file a couple of months ago and I don't know what it is.
Product: Mortgage

We called at XXXX est XX/XX/year> to see if we could defer a payment or if there was any hardship assistance, we had an unforeseen medical bill that exceeded our expectations. We was told all options where to pay this month or just double up next month. We asked to speak with a supervisor and was told the supervisor was going to say the same thing and wasnt a need to talk to them we insisted, we waited in hold and we spoke with a supervisor XXXX ( XXXX XXXX XXXX ) she stated that they had a programs that would break up 1 monthly payment into XXXX payments along side our regular monthly payment, and they would automatically draft it for the next 3 months. It would be the XXXX of every month. We asked would it inquire a late fee and affect our credit she said yes. We stated that would only further affect our finances and not really help us so it wasnt really a hardship program. She stated she new that but it was the only options we had. We asked to speak to an American ( non robotic voice synthesizer ) manager. XXXX then told us like the other representative told us that it didnt matter because they would tell us the same thing. We insisted and we where placed on a long hold and connected with XXXX. XXXX was an actual person with no delays in speech. We told her about our situation and our interactions with the previous representatives, she did show a little concern but agreed that the only services they could offer us would effect our credit but they could remove any late fees that may affect us. We told her we didnt want to move forward with the 3month payment plan and asked if there was any other programs that could assist us. She said she would take a look. She then proceeded to tell us since we wasnt actually delinquent they didnt have any options for us and once we are actually delinquent we might can receive better options. We displayed that we always make our payments and didnt want to hurt or credit or financial standings, we just wanted to defer or break up the payments without penalty. She followed up with asking where we still at the same address and was there in natural disaster that affected us. we told her our house was fine and that we just loss power food. We asked XXXX was there a survey we could do at the end of the call she said no and we ended the call with no resolution XXXX est
Product: Bank account or service

I had money in my savings account to pay my rent. It was taken and put into my over-drawn checking account without my permission. I spoke with a supervisor XXXX XXXX who was very condescending and kept saying " Why do you have to be reminded to put money in your account '' kept saying it over and over again. I told her I am not a child and she ca n't talk to me like that. I did not authorize money to be taken from my savings and put into my checking account. I told her to let me talk to someone else and she transferred me to a voice mail for XXXX XXXX. My account is overdrawn mostly by fees.
Product: Checking or savings account

Subject : Formal Complaint Regarding Inaccurate Reporting and Account Access Issues On XX/XX/XXXX, 2023, an estate appointment was scheduled with XXXX XXXX Bank. Having significant concerns regarding the reporting and handling of my account information. As a personal representative, my reputation is being jeopardized due to the erroneous reporting by ChexSystems, hindering my ability to fulfill my responsibilities effectively. This situation has led to unwarranted challenges and scrutiny, impacting the trust and confidence placed in me as a responsible representative. 
The error in the ChexSystems database, which is adversely affecting my ability to open an estate account. 
The issue stems from a previously reported debt that has been fully paid. Despite the settlement of the debt, the information in ChexSystems inaccurately reflects an outstanding balance. This misinformation has prevented me from successfully opening the estate account, causing undue inconvenience and delays in the estate process. Chex Systems needs to expedite a resolution to ensure that the inaccurate information is corrected immediately ensuring that I am able to return to the same branch and open the decedent 's account. ( The letter was requested from XXXX XXXX ) The ChexSystems rep alleged that ChexSystems reports that the amount remains unpaid in the database.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The short version of the story is XXXX XXXX is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. 

The longer version of the story is as follows : In XXXX I was assigned XXXX XXXX as my loan servicing company upon graduation from XXXX school at XXXX  XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. 

I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! 

Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. XXXX XXXX was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. 

I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called XXXX   XXXX XXXX to inform them of the reporting error. XXXX  XXXX servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.
Product: Credit card

I am making monthly payments to a closed account because my final payment was credited to someone else ' account in error. I have called, faxed, and written. I have letters stating the error was corrected with apologies for any hardships. In error I am still being billed monthly for this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, my online American Express account was hacked by fraudster. They fraudulent opened a business line of credit ( previous Kabbage now XXXX XXXX ) and made a number of fraud transfers. I called American Express right away and reported the fraud, as per their request, provided the entire package of ID Theft Affidavit within 2 days in XXXX. Since the investigation case becomes mystery and I have called almost every other days with long hours of wait time. All representatives were mentioning the case was escalated but they need fraud department to clarify a few things, either they themselves could not get hold of someone in that department or that department is not working. They promised in all calls that someone will follow up with me 24-48 hours, no single person did in these almost 3 months. Things start to get worse, as the business line of credit was not tagged with fraud and continue to send me past-due payment notifications. I called again and they told me not to worry about it as the investigation is still going on until about one month ago, I received notification about my American Express credit cards were suspended for use. I called again, they told me because my profile was marked as past due from the business line of credit side, it halted all other cards ' usage. Now I am really frustrated as it not only continues to be a matter I have to resolve, but it impacts my daily life including recurring linked payments from these credit cards. I have no clue why it took Amex this long for a fraud as a consumer i reported right away. Furthermore, for the business checking account user id, I asked them to help me change the login information given the fraud attack, they told me it is a system limitation. As a result, I requested closure of that account, which they mentioned multiple times it was closed including a mail sent to me, but i have yet to receive any closure with my balance check.
Product: Debt collection

portfollio is still reporting on my credit spoke to portfollio today who sold it to another company and its hurting my credit bad and there still reporting it on my credit history even though the debt it not with them anymore, their violating my FCRA rights. 

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Product: Credit reporting or other personal consumer reports

I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust Bank XXXX XXXX Inquiry from XX/XX/2017 The Inquiry above is fraudulent. Please investigate and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The interim response from the Equifax company appears to be a canned response. Not even respond to the concern, which is number XXXX if you use the phone, it will not work. If you attempt to call many times, the phone still will not transfer you to a live person. So if you can not speak to a live person and the phone lines dont provide the information you need nor can anyone transfer you to a live person. How do you freeze an unfreeze credit? The phones need to work so that you can freeze and unfreeze credit or you need to speak to a live person if you need additional help phones will not transfer to a live person!
Product: Student loan

I called Wells Fargo on XX/XX/XXXX to see if I could apply for a forbearance for two loan payments XX/XX/XXXX. I had a medical hardship as I XXXX and work did not approve my FMLA. I was told it could take up to 10 business days to complete the process. I did not receive any confirmation or denial via email, phone, or paper mail so I followed up on XX/XX/XXXX. The representative informed me that the processor needed additional information. The additional information needed was provided during the original call on XX/XX/XXXX. Due to the excessive time it has taken my payments are due and I have had to borrow the money to ensure my payments are made. I have never missed a payment since my loans went into repayment status. I have perfect credit and will maintain my scores in any way I can. I also feel like Wells Fargo is a predatory lender. I requested that Wells Fargo consolidate my loans and they denied my request due to my debt to income ratio. The rates of interest are 4 percent higher than unsecured loans on top of that they are variable rates with no fixed rate options. If the prime rate increases I assure you I will not be the only consumer crippled by this predatory loan structure and lack of willingness to help the consumer.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX they are not removing this report from the record, every time i run my credit they showed up, this company charge me 1 years or more longer ego but still not removed from my file, i will file complain to court if they still dont remove it, they do not have right to leave this info on my profile which i paid long time ego.
Product: Debt collection

In 2012 I submitted my personal information to a website that I unfortunately do not remember. This so called company I guess was not a direct lender but a solicitor and passed my info to XXXX " lenders ''. At the time I wanted to get a small loan. $ XXXX-XXXX. I made the mistake of providing my banking information. The company that is now trying to collect for XXXX XXXX ( Weinman Acquisition Group who has a P.O. box and no brick and mortar address ) says that they purchased my account from XXXX and that I got a loan from them. I asked when this was, how much was the original loan and if they could show me documentation which states I accepted the loan. The initial company who tried this XX/XX/2012 was not XXXX. I asked them to provide me with the same proof and documents and I never heard from them again. The XXXX XXXX provided me with a document they drafted with a dollar figure that they want me to pay. I still do n't know the original loan amount and must now go to XXXX XXXX and ask for transactions for XX/XX/XXXX and XX/XX/2012. XXXX XXXX stated that the transaction took place XX/XX/2012 but did not provide that info with their letter. I will attach a copy if your site allows. The amount the are asking me to agree to is {$750.00}, they say it was reduce from {$1100.00} and will go to over {$3000.00} if they file paperwork with XXXX County Nevada for fraud. The person I spoke with is XXXX XXXX. Says he is a mediator and wants to help and says he is offering this to keep his layers from filing the paperwork in XXXX County Nevada. Not clear if he works for XXXX or Weinman, but was clear on how much money he wants me to pay. 

I do n't remember receiving any money at all! and certainly not {$3000.00}!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.