23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the XXXX  must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX
Product: Credit card

I have a Synchrony Bank Care Credit account. I had XXXX six-month no-interest promotional accounts and XXXX 24 month low interest account. I made payments for four months that were sufficient to pay off the six-month accounts on time as well as pay the minimum on the 24 month account. However, Synchrony allocated all of the payments to the 24 month interest bearing account. I noticed this in XXXX and spent over a half hour working with a representative who said she had corrected the problem but she never sent me the promised email confirming this. Then, the XXXX statement arrived and no corrections in payment allocation had been made. I spent another half hour today working with a representative to correct the payment allocation so that the promotional purchases would be paid off in time and the accrued interest would not be charged. The representative indicated that this would be reflected in my on-line account within XXXX hours. The fact that this allocation of payments does not happen automatically and that correcting it took an inordinate amount of time makes me think that this is intentional on the part of the credit card company as they then can collect the accrued interest. Most people do not have the time this has taken to resolve. If you have your payments on auto-pay, you might not even notice.
Product: Vehicle loan or lease

I spoke with several different representatives regarding a gap refund from Santander Consumer Usa in XXXX of 2023. It has been a month now and I am still waiting on my refund. Every single time i call this company representative are telling me misinformation. Somehow my refund is a lot less than what they stated my refund would be initially. No one has ever called me back regarding the verdict of my gap refund. When i reached out on XX/XX/2023 the representative from Santander Consumer Usa told me to just keep waiting. I am extremely frustrated with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  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 an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$21000.00} ; Medical XXXX : {$56.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have perfect credit and NationStar bought my Mortgage from XXXX. XXXX thing is they charge XXXX for processing your on time payments via their website. Next I tried to call the customer service line and I need to type my information in many times but it never worked, next If you speak your information it takes a few times to get that to work as well. Once you do get to a representative they ask for the information again because it does n't feed to the representative. They also introduce them self as a DEBT COLLECTOR. Next I begin to tell the badly trained XXXX rep. about the {$10.00} fee and she said it is a processing fee. I told her that the letter I received stated that they honor all terms of the original mortgage and fees for payment was not included. I ask for a manager and never got XXXX ... The call was disconnected after a few minutes being on hold ... I called XXXX with the same story and XXXX time I was disconnected.
Product: Vehicle loan or lease

On XX/XX/XXXX I went and purchased a used XXXX XXXX XXXX from XXXX XXXX that is located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The vehicle was a pre-certified XXXX model. The payments should have been {$320.00} per month with a 72 month contract agreement. 

I was told by the loan officer to get the extended warranty, so that if anything happened to the car it would be covered. This brought the payments up to {$390.00} a month. 

Since then I have moved to South Dakota, and I had to bring my car into Granite XXXX in XXXX XXXX for a few repairs. That was on XX/XX/XXXX. They looked up my Vin Number, and  asked why I was paying for an extended warranty when it was already pre-certified car. Good question I asked. I didn't know that everything was already covered with that. Being a woman I was taken for granted by the sales man, and the loan officer. I have been paying that amount since XX/XX/XXXX which comes to ( including interest charges ) : {$4700.00}. 

I am asking for a full refund, plus interest on all of those months paying for something I did not need. 

I only owe another 19 months on this loan, and calculating that including interest, another {$2100.00} should come off of the loan agreement since that amount was tied in with the contract agreement. 

By looking at that I should only owe XXXX another {$4700.00}.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

I fell victim of fraud my XXXXXXXX XXXX  accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Cares Act creditors/credit bureaus are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

The problem that is most critical to me personally are I as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Company, problem is that I have not yet be able to Open Bank Account in United States America since XXXX up to date my company and I does not have any Back account in U.S I have Successfully, my problem to Open Bank Account in America Bank Account has not being successful No phone number to Activate my company Account up date please I need help to be able to get International US line number SMS
Product: Credit card

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.
Product: Credit card

I have been a customer of Best Buy for at least 20 years and still have a Best Buy Credit Card in my name only in my possession. Around XX/XX/XXXX I helped my daughter, XXXX, then a XXXX Student at the University XXXX, purchase a XXXX Laptop. In order to help her establish credit, Best Buy initiated a Joint Credit Account. I paid {$250.00} down and the Account was established in her name, with her Statements sent to her Mother 's ( my ex-wife ) address in XXXX, Texas. She paid this off in a timely manner. 
Fast forward to XX/XX/XXXX when I decided to buy myself an XXXX Present ( HP Laptop for around {$450.00} ). Best Buy was regularly sending me emails stating I had Best Buy Rewards of {$30.00} I could use if I purchased a Product from them. I believe the condition was I could not use this Discount unless I put it on credit, so I did so even though I can provide proof that I had approximately {$4500.00} in my Bank Account at that time. 
Herein lies the problem. At the checkout in XXXX XXXX, Texas, I furnished my info, Driver 's License, email, phone number, etc., after stating I had an Individual Account ( I did not have my Best Buy Credit Card on hand at that time ). My daughter was in XXXX, Texas, was not mentioned, consequently, I had no idea that she would be involved in this transaction in any way whatsoever. 
I went about my business and enjoyed the Holidays. Sometime in XX/XX/XXXX, I found out that my ex had gotten mail for my Daughter from Best Buy ( they lived XXXX miles from each other ). My Daughter told her it must be Junk Mail because she had not had any dealings with them. Consequently, I have the email and picture of the Credit Card Bill from my Daughter on XXXX/XXXX/XXXX which states " Sorry, I wished I 'd opened it sooner ". Shortly after I contacted the Credit Card Account, described what happened, got them to write off the Late Charge Penalty and paid the Amount in Full. The Rep read back my explanation to me and agreed to include this in my file. 
Happy Ending? Not quite. This is the only serious negative on my Credit Report and I believe I would have an XXXX Score without it and has been detrimental to my finances. What makes me feel terrible is that my Daughter ( XXXX ) and is buying a House has this on her Credit Report and has cost her also while she had absolutely nothing to do with the transaction. 
Finally, during this time Best Buy was sending me emails describing their products and that I was eligible for additional Rewards! I believe if you will look at my situation you will feel as I do, that if Best Buy had correctly billed me as I had intended this would never had been an issue and affected my Daughter and I so negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  hard inquiries, has violated my rights.

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. 


Hard Inquiry - XXXX XXXX XXXX  XXXX : XXXX Hard Inquiry - XXXX XXXX XXXX  XXXX : XXXX Hard Inquiry - XXXX  XXXX XXXX  XXXX Hard Inquiry - XXXX XXXX XXXX : XXXX Hard Inquiry - XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following accounts listed on my credit profile ( accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 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 an account without my written instructions.
Product: Debt collection

Hello how are you. I recieved a letter on XX/XX/2018 from NCC BUSINESS SERVICES , INC showing I owe a balance of {$3300.00}. I dont know why this is being reported on my Credit reports. because this is not my debt. I would like to get this account removed immediately. it is causing me problems on getting an Apartment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In 2018 i was unfairly turned down when I requested modifications to my loan to avoid foreclosure. I may have been charged incorrect fees and other costs, overstated attorney fees and a remodification if double the price of my original loan
Product: Credit card or prepaid card

I was charged 3 late fees in 3 consecutive months XX/XX/19 ( {$29.00} )XX/XX/19 ( {$39.00} ) XX/XX/19 ( {$39.00} ) and interest. After having explained to them about having financial hardship the bank continuously kept on charging late fees on top of late fees. I dont see how on the basis of trying to make ends meet, does it ethically or humanly make sense to continue to charge a customer something they can not afford. On top of that, the last payment was made the night of XX/XX/XXXX and I was still charged the {$39.00}. I dont believe that these practices are moral or fair and would like to request the fee ( s ) reversed. A bank that operated on ethics would not take advantage of those already struggling and would at least help if asked.
Product: Credit card

My Bank of America credit card account in good standing since 1998 was closed, when I called to ask why my card was declined, they told me because I did not respond to a letter sent to me for verification of my personal information. I did not receive the letter, and they said it was not sent certified mail. 
My account was always paid on time every month and I have an excellent credit score how can they just terminate my account for no good reason?
Product: Credit reporting or other personal consumer reports

Ally Financial was never served by clerks and Writs not signed and seal by clerks 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. XXXX, XXXX U.S. ___ ( XXXX )
Product: Credit card or prepaid card

I have a open consumer end credit plan with Capital One Bank. I have a outstanding balance. 
I am demanding Capital One Bank balance out the balance every month. Credit my account, send me the balance amount in a check. 

Title 15 U.S. Code 1602 - Definitions and rules of construction j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 


Title 15 U.S. Code 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Product: Debt collection

Northwest collectors reported a collection account to my credit report without notifying meof the debt. This is a violation of the FCRA. They did not perform any due diligence to findcorrect address information for me. As such, I never received any written notification of thisdebt and I did not have a chance to make a payment to it. This is stemming from anelectronic speeding ticket in XXXX. I never was aware of this ticket andhad no idea that I was issued a citation. No notifications were ever received from the XXXX XXXX or Northwest Collectors. 
When it was brought to my attention, I immediately paid the account. I was also assuredthat this will not do any damage to my credit score once it has been paid. This is completelyinaccurate and I was misled into thinking that this was a nonissuewith respect to mypersonal credit score. I have just recently discovered this and I am paying a very hefty priceas a result of this. 
How is it possible that I can not get my credit destroyed without any written notification of adebt and then once I do XXXX it, I pay the bill and am assured that my credit score is notgoing to be damaged. This turned out to be a blatant lie and a material misrepresentation of the facts.
Product: Mortgage

I applied for a refinance of my existing mortgage in XX/XX/XXXX, There was to be a 60 day closing, which did not occur, finally on XX/XX/XXXX we closed on the paperwork. A closing attorney was sent to me and we signed paperwork. I asked if I gave him the check for money due, he said no the lender would contact me with payment instructions. I waited and have to date XX/XX/XXXX not received said instructions, even though I have reached out to the company numerous times. As a result of them not funding my loan and paying off the prior loan I have now been late on a payment and received interest fees, plus credit reporting. Not too mention that the new loan is at favorable rate so I am also paying additional interest payments. The processing Officer is XXXX XXXX and the company Is Loan Depot. The paperwork for closing ( the Disclosure Statement ) was incorrect three times, now all the paperwork is outdated as I have had to make two additional payments, etc. 

I have contacted and gave them until today to get me the needed information or I was filing a complaint.
Product: Credit card or prepaid card

I opened up an account with XXXX and XXXX. At the time I was approved as I have been by 6 other companies and My credit score was In the High 700s when I did. Okay I have a son so I added my wife to the accounts as an authorized user being I am always busy at times and be working 13-15 hours some days. The cards come in the mail I take my son shopping maybe twice but one particular day I took my grandkids shopping and poof Im holding the line up and humiliated that cashier states did you pay your bill I said sir Its not time for my bill I am a new customer. Well I was told at the register my card may have been closed but he asked me to call them and I did that after I paid for my items using a different card. While on the phone with customer service she tells me my account has been closed and she couldnt disclose a reason so I immediately filed a complaint with the better business bureau and Comenity bank said they would definitely send something In the mail and they did and there claiming they closed my account for to many inquiries which are Lies. The only inquiry I had was two credit cards at the time and an approval to purchase a home and one of the extra cards I later found out was from XXXX which was closed and issued by the same bank Comenity bank. Now Im finding this fishy after I realized my wife had identity theft that caused her to become bankrupt at one point she got back on track with her credit and applied for a Victorias Secret credit card whom was issued also at Comenity bank. While she was a customer every time we went into that store she always had to get on the phone because immediately there cashier would say its displaying some message and would contact Comenity bank and she would have to get on the phone at the store to have her card restored weird but yes she did. Anyway my wife paid her account off and went to shop in the store for the last time to find out her card had been cancelled w/o notice she called they did in fact not give her a reason and she just let It go all together. But I cant because this isnt sitting well with me when I have never had this problem with any other bank but all of a sudden I add her on my account and my account is cancelled and all they can say is to many Inquiries and this is damaging as I spoke to my realtor about this. I feel DISCRIMINATED AGAINST BY COMENITY BANK. Please direct me in the right direction as to how is this possible and what can be done!