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

From NBT Bank- Got a personal loan almost 2 years ago, I always pay early. Been working hard to get my credit rating XXXX. About XX/XX/2023 something happened at NBT Bank. Although I make my payments early and the withdrawal is taken out of my checking account, NBT Bank for the past 4 months has sent me letters stating they did not get my payments and are charging me a {$5.00} late fee. I have called several times and even sent copies of my bank account showing the payments have been made- the first {$5.00} late fee was refunded but still have 3 more. Getting really tired of calling the Customer Service number, showing my account proving I made the payments on time, and repeating this action on a monthly basis and still getting late fees and possibly ruining my credit rating.
Product: Checking or savings account

SUBJECT XXXX about CHASE BANK. 

I received an e-mail from you stating that Chase Bank responded to my complaint that they were " working on it '' .The last e-mail from you stated that the case was closed. That answer is absolutely not acceptable!! Chase Bank has been " working on this issue since XX/XX/2017! They do not answer my repeated phone calls and still have not returned my money which was never intended for that bank in the first place. Chase has had my {$2000.00} ACH check for over FIVE MONTHS. By now a solution should have been reached. I need action not words. I am still without my money! 
PLEASE HELP! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I'm representing myself by myself and I do not involved any third party for this matter. I made an attempt to file a police report, but I was informed by XXXX XXXX that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Here are the name of these 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 XXXX XXXX Please remove these items from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have a 7 year old account removed from my credit report from all of the credit bureaus and they have not removed it from my credit report. The car loan was with Santander Consumer. Date opened was XX/XX/2010 and the charge-off amount was {$18000.00}. I have written dispute letters, to have this removed and it has not been proved or validated at all. 

I have also tried to have XXXX XXXX XXXX removed for {$260.00}, XXXX XXXX XXXX for {$1900.00}, XXXX for {$330.00} and XXXX XXXX for {$3900.00}. They have not provided me with any validation and these items still remain on my credit with XXXX. The other credit bureaus have removed this information.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  I checked my email and found a message that my savings account balance was below {$25.00}. I was greatly concerned because the account had almost {$6000.00} in it when I checked in the morning. The email was generated at XXXX XXXX  and came to my inbox at XXXX XXXX. I signed into the banking app to see if I could figured out where the money was and the app response was I could not access it and gave me a number to call. I immediately called and when a real person answered stating it was the account closure department I knew what had happened since this was the second time the bank had done this. I understand now why they are doing it but I am concerned about their failure to notify me of their plans so I could move the funds. Instead they put a hold on the funds and would send it by check which in the past they had told me could take several weeks. Instead, I have to demand to speak with a supervisor that can submit an exception but it will take 1-3 days and they will not notify me when they have done it. Unfortunately,  I know from previous experience that the funds will be once more held on day 3. The last time it happened I filed a complaint that they never responded to because they said they could not verify who made the complaint but this form clearly identifies me. I believe the bank is using these activities to hold money and earn interest without paying me interest while cause considerable inconvenience. I believe this represents unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
Product: Credit card or prepaid card

Comenity bank added a {$39.00} late fee after my account was paid off. Did not notify me and then added another {$35.00} late fee because I didn't pay the original late fee. Called to dispute the late charges and was they hung up on me.
Product: Debt collection

My name is XXXX XXXX. I am reporting a company. This is a company by the name of Jefferson capital SY on behalf of XXXX phone company this was open on XXXX account # XXXX. XXXX keeps putting this back on my credit report under a different name and it keeps getting removed by the XXXX XXXX and XXXXXXXX XXXX this was open fraudulently and I need it to stop immediately of you have any questions I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PRA RECEIVEABLES MANAGEMENT, LLC FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREAUS INCLUDING PAYMENT HISTORY FROM ORIGINATION THAT ARE CURRENT. UNDER FDCPA SECTION 807 ( 8 ) THIS IS A VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violented my rights. 
15 USC 1681 Section 602 State I have the right to privacy.

15 USC 681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

On XX/XX/2021 at XXXXXXXX XXXX ( P.S.T. ) I received an email from Bank of America stating that " you're credit card application has been approved. '' I have one existing credit card ( a Visa card ) with Bank of American but I never at any time requested a second credit card. I phoned Bank of America at XXXX XXXX ( P.S.T. ) on XX/XX/2021, which is when I became aware of the email that they had sent me the previous afternoon. After being transferred multiple times, and staying on the phone waiting for about an hour, they finally cancelled the card and said that I will receive ( in about 45 days ... ) the information that I will need to fill out a police report. 

My complaint is specifically with Bank of America. I believe that Bank of America itself did one or both of the following : 1. They allowed a fraudulent application for a credit card to be processed in my name, while never contacting me or activating safety protocols that would have stopped the process immediately, OR 2. Bank of America, without my consent, knowledge, or authorization opened a second credit card in my name. 

Bottom line, Bank of America 's negligence and failure to exercise due diligence is directly responsible for this happening.
Product: Credit card or prepaid card

I have had an account with Bank of America for over a dozen years. I did not use their credit card for several months because I received better rewards at another bank. But they decided to close my account without warning or notice. As it was my oldest account, the closure dramatically lowered my credit score, and the company took away the cash rewards that I had available. When I called to reinstate the account, customer service told me that all I could do was start a new account and lose all of my longevity and rewards.
Product: Student loan

Started all the loans with sallie XXXX/navient. Recently received an email stating if you ever could not pay the private loans/ defer or only pay interest they could help or possibly drop the debt. I contacted them as I had deferred as well as paying interest only for over 4 years. XXXX XXXX reps told me they were unaware of it and couldnt help as I have proof of it from the website. I initially owed over XXXX now down to around XXXX, currently struggling due to numerous XXXX of severe XXXX and XXXX and out of work on leave without income. It was a lie on their site and am very upset.
Product: Credit card or prepaid card

OnXX/XX/XXXX my card was charged with a fraudulent charge of {$640.00} to XXXX for a hotel. My card was then frozen for security purposes. After 3 1/2 weeks of never receiving a new card, I called and requested a new card. They sent me a card with the same exact numbers ( including CVV number ). As of XX/XX/XXXX, the charge was still listed on my statement showing that my balance was {$910.00} including the fraudulent charge. I called ( for XXXX only knows how many times now ) on XX/XX/XXXX and they said that the charge would be removed within 24 hours. I specifically asked if that was 24 business hours, or 24 real hours, which they answered as 24 real hours. So, I went to pay my bill on XXXX and the charge was still there, but now my balance is {$1500.00} which means there are more fraudulent charges ( thanks to them not sending me a card with new numbers, therefore reactivating the old compromised numbers ) on the card, because as of XXXX the card was disabled ( again ) and I did not use it. I called onXX/XX/XXXX and they said that there was no one there able to help until Tuesday and that a new investigation would need to be reopened for 7-10 business days. I understand that it is a holiday weekend and that XXXX is tomorrow, but I have been fighting with them for 6 weeks almost and keep getting the runaround. I even asked if they could send someone an email to have them look into it on Tuesday, and they said no.. I can not continue spending hours every day on the phone with them In my honest opinion, I think they are trying to not eat the charge from XXXX as they keep telling me that it will be removed and it never gets removed. The bill is due soon and I will not pay the money, because then I KNOW I will never see that money come back. 

In addition, why did they send me a card with the same numbers and now have MORE fraudulent charges and now do not want to remove them.
Product: Credit reporting or other personal consumer reports

Could you please get rid of these inquiries? I don't have any information on them, and the company did this without my authorization.
Product: Debt collection

On XXXX bank Washington XXXX tries to contact me someone in Georgia have been emptying my account for the pass XXXX over XXXX dollars included by a car credit cards. After the finally stop it filed fraud charges. I thought very was over. XXXX find car XXXX XXXX XXXX registered on my name.
Product: Credit card

There is a breach with XXXX, and this info should be deleted due to the breach. This is not my account. I have filed with XXXX different bureau that this account is not mine.
Product: Consumer Loan

On Saturday XXXX XXXX, 2017, I purchased a XXXX through Mini XXXX ( MD ). I have Tier 1 credit score and by car and my credit profile qualified for a 1.4 % interest for 72 months offered through Mini/BMW XXXX. However the Finance Director ( XXXX XXXX ) offered me 2.99 % and after I agreed to purchase an extended " Maintenance Plan '' he offered me a " discounted '' rate of 2.4 % for XXXX through Mini/BMW Finance. I later found out from another Mini dealer, that I was eligible for the 1.4 % for 72 months, from Mini/BMW, but the XXXX XXXX /the Dealer never disclosed that to me, even though I asked multiple times. 

I also found out that the XXXX XXXX had quoted a price of {$2900.00} for an extended Maintenance Plan ( 6yrs/100k miles ) and then offered to lower the price to {$2500.00} saying he had a {$300.00} margin. I decided to accept the plan based on the information he shared about the actual cost of Maintenance for XXXX XXXX over the 100k miles, if I keep my vehicle. I found out from another Mini dealer who immediately quoted me {$2500.00} without any negotiation. 

I emailed XXXX XXXX on Wednesday XXXX/XXXX/2017 about the two issues described above, he called me back and stated that he was under no obligation to offer me a 1.4 % rate which he confirmed I was eligible for, but did not disclose to me at the time of financing. He also stated that he has a {$300.00} margin on the XXXX plan and he will be happy to send me a cancellation form if I wish to do so. 
I spoke to the Sales XXXX XXXX XXXX XXXX on XXXX/XXXX/2017 and he too stated that " XXXX XXXX did nothing wrong '' and what I experienced was " industry practice '', he went as far as saying, " every dealer does this ''. 

As you can see from the above there are multiple issues impacting consumers of auto lending and auto warranty/maintenance programs which lead to deceptive/unfair practices by either Auto Dealers or Auto Finance companies since there is lack of transparency to the end consumer : 1 ) Mini/BMW website did not disclose their promotional rate of 1.4 % on their website, and Mini of XXXX XXXX did not either. However another Mini dealer in NJ did disclose it and therefore I was offered a higher interest rate by Mini of XXXX XXXX, than I was eligible for given my credit profile and vehicle. Why is n't the dealer required to disclose the mark-up they are putting on these loans? It leaves consumers of auto financing vulnerable to abuse by dealers and their finance departments. 

2 ) MINI/BMW sells extended warranties, maintenance plans and other options, however there is no suggested retail pricing available for these additional options, unlike the MSRP for a car, and the dealers are free to quote any price they want. As a consumer of these products, there is no way for me to know what price is a reasonable price, since neither Mini/BMW nor the dealers publish their prices so consumers can cross shop before hand. Thus the market is not transparent. So I had to make a decision on the spot during the financing process, which put me at a disadvantage.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I wrote a dispute letter to Equifax Information Services, XXXX citing errors on my credit report and consumer law requesting that they investigate and ultimately delete the items from my credit report. I got a response letter dated XX/XX/2024 from Equifax Information Services, XXXX stating my letter was received but more information was needed before anything could be done. I was asked to verify my identity by submitting XXXX item each from XXXX categories and examples were provided from each category of what they would accept and I provided it ( a copy of my social security card and drivers license ) along with a hand-written letter and a copy of the response letter I got from them. I sent these items via XXXX certified mail. I got another letter dated XX/XX/2024 from Equifax Information Services, XXXX with the exact wording requesting the same information from me. I am doing what is within my rights per the federal government I submit what was asked of me and Equifax Information Services, XXXX is playing games, that's not right. I will attach a XXXX receipt of the letter and the certified mail receipt from XX/XX/2024 and XX/XX/2024 along with a copy of my letter from XX/XX/2024 their primary response letter and the duplicate secondary letter dated XX/XX/2024. It's not professional for Equifax Information Services, XXXX is doing the run-around regarding this matter.