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

On XX/XX/XXXX I went to XXXX XXXX XXXX  and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.
Product: Credit reporting or other personal consumer reports

Dear SageStream , LLC Consumer Center Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Vehicle loan or lease

I am requesting assistance with my auto loan due to my physical and financial hardship. I am a XXXX XXXX   XXXX United States XXXX veteran XXXX XXXX XXXX XXXX I am on a fixed income and had someone else helping to pay for the truck. But the other person injured their back and they are a XXXX XXXX   XXXX veteran also and now we are struggling to make ends meet. I served several combat tours in XXXX and XXXX with the XXXX XXXX XXXX from XXXX XXXX, XXXX  and now settled in XXXX, XXXX the town outside of XXXX XXXX, XXXX. I really need the vehicle for transportation and please request some type of assistance program. My budget is not tight as I am struggling to pay my mortgage payment and pay the electric bill and buy groceries. We just had a newborn babe and finances are limited to make sure diapers and baby food can be purchased. 
I am attaching my military XXXX XXXX letter  as proof of my hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX is reporting a CHARGE OFF. My car was totaled and insurance sent XXXX a full payment. I also had XXXX XXXX which sent a payment to XXXX as well. XXXX sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to XXXX ( the balance owed from XXXX  and XXXX  ) and the account was closed successfully. I reached out to XXXX and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to XXXX, XXXX, and experian and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Product: Credit card or prepaid card

Following the Nordstrom promotional promise of {$40.00} statement credit just for opening a credit card account, I applied for this credit card. When the credit card arrived, I had called them on XX/XX/2020 at XXXX XXXX, and their representative XXXX confirmed this statement credit promise of {$40.00}, so I started using this card. 
However, when the card statement arrived, there was no statement credit. So I called them again on XX/XX/2020 at XXXX XXXX, but their representative XXXX refused to fulfill their promise of the {$40.00} statement credit.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX is reporting a bankruptcy on my credit report and they put in the data furnisher as the XXXX District Bankruptcy Court of Central Islip which is false. I have attached a letter from the US Bankruptcy Court of New York verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning any persons bankruptcy.
Product: Credit card or prepaid card

Hi I had a payment that was due XX/XX/XXXX which is today I was out late finishing up some work and when I got in to make my payment at about XXXX p.m. it said that I was already opposed a late fee even though I still have XXXX minutes before it's midnight and I called the company Capital One and they said that they could not give me a one-time courtesy fee adjustment because I had not been eligible. Now to go back a few months ago when I got this card Capital One had a problem and issue with their database and could not find my account and Link it up online so that I could pay it they couldn't even find the accounts on the phone so I could pay it and when it got fixed it was like two days after the payment was due and I was assessed a {$16.00} late fee the woman that I was speaking to when the account got fixed agreed to take that off as a one-time courtesy and I said to her it's not a one-time courtesy because your company was the reason why I couldn't pay it and it took you 3 weeks to fix it and she agreed and said that she was going to take it off because of a technical error in the account. Well she must have took it out of my one time once a year courtesy and now I'm not eligible for it when I really really need it like it's crazy that they're trying to tell me that I have to make the payment by XXXX p.m. I did not know about it I have XXXX accounts with Capital One and nowhere on my app because it's so smushed with all the information did it say that and you know it's crazy that that shouldn't even be legal because I should have until midnight XXXX on the date it's due to pay it before I'm assess the late fee but they really put this late fee on there hours ago. basically I said to the woman so you're telling me that there is nothing you can do and there's nothing no one else can do and she said no we are not going to remove these fees at this time because you're not eligible and there's no nothing no one else can do either because you have to be eligible in the system and there's nothing we can do to change that. I believe wholeheartedly that this is so wrong that's being done to me that I am not paying this. I have XXXX accounts with them and all my payments have been 100 % paid on time I literally am not paying this fee I'm not making my payment either I am not going to do that I don't care if this ruins my credit because I believe wholeheartedly that this is wrong to do to someone. And you know if they don't adjust this and allow me to continue being a customer with them it's just going to be a chain reaction I'm going to I'm just going to walk away from all the cards and all the payments because if if they don't fix this I'm not paying that card and what's the point of paying the other ones because my credits going to be ruined anyway. And it's really really not fair and they should have helped me and and did something because they took my one-time courtesy away and used it on something that was their fault they had a issue with their database that wasn't linking up my information to find my account that's their fault.
Product: Student loan

On XX/XX/2021 the federal government made it possible for those who had defaulted on their student loans to get a refund of the payments they were making to get their loan back in good standing. I had been doing this for 7 months thru Trellis. I requested a refund of the money. I had been paying them $ XXXX/month for a total of {$930.00} when this possibility was made possible. I requested my refund of the {$930.00} on XX/XX/2021. They still have not refunded my money. I have made 3 attempts to contact Trellis and find out why. Each time they say the money was sent to the wrong address ( meanwhile I have received regular correspondence from them at my mailing address ) and they would send me another check. They initially told me it was processed on XX/XX/XXXX then again on XX/XX/XXXX. I still do not have my refund. When trying to escalate to a supervisor, they say the same thing as the first line employee. They have been no help and beginning to believe they are not sending it. Any help would be appreciated. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. " ( XXXX  XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX  XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX  XXXX.
Product: Debt collection

This collection agency called PORTFOLIO RECOVERY is alleging that I owe money to XXXX XXXX XXXX. I have not received any letters from collection agency as proof and they place a negative mark on my Credit Report without notifying me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, Equifax / XXXX / XXXX has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX : {$110.00} i believe were reporting in error.
Product: Debt collection

This account was put in collection more than 2 years ago without my knowledge and now I received constantly calls from collection harassing me and treated me about jail if I do n't paid this debt who was send to a collection agency without any attempt to contact me first and find out reason why this account was delinquent. I get XXXX invoices from the same company with XXXX different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

1. The status is incorrect for the following account XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : 1. XXXX Date of inquiry : XX/XX/2021 2. XXXX Date of inquiry : XX/XX/2021 I contacted those who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE SEEKED THE CFPB HELP IN THIS MANNER TWICE WITH THE COMPANY REFUSING ME INFORMATION, AND DOCUMENTATION IM LEGALLY ENTITLED TOO, now that their neglect has become your neglect IDENTIFY THE DISCREPANCY IN BOTH OF YOUR FAILURES TO COMPLY WITH THE LAW I AM READY AND WILLING TO SEEK LEGAL ACTION IMMEDIATELY! 

This account was charged off on the following date [ XXXX, 2023 OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You FAILED to investigate this account properly and your neglect has violated my rights. I am demanding a deletion with no further collection efforts PERIOD, or XXXX will proceed to follow, with your failure to comply! 

XXXX : [ Account name ] [ Account number ] XXXX : [ Account name ] [ Account number ] XXXX : [ Account name ] [ Account number ]
Product: Mortgage

I have been attempting to contact my servicer about why there have been multiple changes to my escrow payments without notices being sent. I appreciate them making recalculations when necessary, but it would be good to at least get a heads up. I also wanted to let them know that I have updated my homeowners insurance and that while XXXX  will be sending them a bill for better and less expensive coverage beginning today ( XX/XX/XXXX ), that XXXX will be providing a credit for {$480.00} which I will forward to Roundpoint as soon as I receive it. Therefore, the overall premium will be going down from {$570.00} with XXXX to {$530.00} with XXXX ( with XXXX providing higher dwelling, loss of use, loss assessment coverage, etc. ) However, the " contact us '' portion of their website has been down so I am unable to communicate with them. The website also makes it relatively difficult to find out how to contact them another way. I have attached screenshots of the contact us page which just shows one dot followed by another row with two dots. I have tried going on this page through two different computers and a mobile phone and get the same error on all of them.
Product: Checking or savings account

For over XXXX weeks, Capital One has held my funds without providing adequate details or resolution. 

I received a XXXX transaction of {$150.00} from a buyer on XXXX XXXX. Capital One disputed this transaction and withheld the funds, despite the buyer retaining possession of the shoes I sold. All they say is XXXX isn't for business purposes Recently, another disputed transaction for {$300.00} has arisen, and Capital One is attempting to withhold these funds as well. 

I am a college student who relies on these funds to cover essential expenses. The delay in releasing my money has put me in a difficult financial situation, impacting my ability to manage my educational and living expenses. 

I have called Capital One multiple times and have spoken with several supervisors. However, none of these interactions have provided me with a clear explanation or resolution regarding why these funds are being held or the evidence supporting the disputes. 

I am seeking your assistance in investigating this matter. I believe that my funds are being unjustly withheld, and I am requesting that Capital One provide a detailed explanation for their actions and expedite the return of my money. 

Thank you for your time and attention to this matter. I appreciate any help you can provide in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to resolve inaccurate information being reporting by Synchrony Bank/XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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
Product: Student loan

2009 XXXX XXXX, XXXX XXXX Thursday of every month I got pulled from class to get a new loan for my living and tuition expenses. I was at XXXX for one year and if I did n't go to sign the papers for my new loan every month I would n't be able to continue my classes to XXXX. I missed out on important class information and had to make them up on my own time. Homework and other hands on tasks became more difficult to accomplish if I did n't make up the lost time going to sign loan papers. I was told a rough amount that my school loan would be. About {$15000.00}. I started paying {$120.00} a month for my loan agreement then Genesis Lending increased it to {$190.00}. I called to ask why the increase in payment amount each month. I was told they saw i had a higher income so they adjusted the payment accordingly. Is that legal? I 've been paying this amount for 6 years and still owe {$13000.00}. I called Genesis Lending and come to find out they have been rolling over all the interest I pay on the loan every year. So all I 'm paying is interest basically for the last 6 years. I do n't think I 'm being treated fairly or legally.
Product: Checking or savings account

On XX/XX/23 I requested Navy Federal reverse the {$250.00} charge after finding out that the plastic water heater valve needed to be replaced with the new metal XXXX per manufacturer that XXXX XXXX installed. XXXX XXXX never informed my mother of this which they should be liable for due to the significant damage this caused. I sent Navy FCU requested documentation and video damage via app and online. Navy FCU kept sending several emails to send it in which told them I had and it could be seen on website which now they have removed. They don't leave claims in the system. They send out these generic emails advising claims are denied with no explanation as to why. Everything attached here is what was sent Navy FCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with XXXX I settled it and it wasnt updated I disputed the information and XXXX  said the debt was verified. And I submitted the letter I received showing it was settled.