23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to express my extreme frustration and anger with how my dispute has been handled. For several days now, my money has been withheld without proper explanation, and this is absolutely unacceptable. I initiated a dispute for unauthorized transactions because I was the victim of fraud. I did not make these purchases, and yet the bank has taken an inappropriate attitude toward me, effectively withholding my money, which is my hard-earned savings. 

To make matters worse, I am currently in a dire situation after being targeted by organized crime here in this country. The way XXXX XXXX  has treated me in this vulnerable situation is absolutely unacceptable, and I demand that my money be returned immediately. 

The dispute number is XXXX, for an amount of {$2500.00}, plus an additional {$500.00}, which was my balance, and {$300.00} from the deposit of my prepaid credit card with your bank. I need a clear response as to when I will be refunded my full amount and what is happening with the deposit from my prepaid card. 

I expect immediate action on this matter, as I can no longer afford to be ignored and mistreated. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and updated : DISCOVER XXXX XXXX XXXX : {$5100.00}
Product: Mortgage

My loan was transferred this moth from XXXX   XXXX to Loancare LLC. Loancare LLC charges a fee for online payments even during the grace period of the loan. There should never be a penalty or fee if payment is made during the grace period.
Product: Debt collection

Today I received an alert from XXXX, my credit score decreased by XXXX points because I have a fake report owing {$1000.00} to a collection agency which is called AMSHER collection services, XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, phone number ( XXXX ) XXXX. 

On the XXXX website it marks the original creditor as XXXX. It is considered a hard inquiry and there is not and option to file a dispute for hard inquiries on XXXX. There is only a phone number provided under the dispute category : XXXX. When I call that number they asked me for my Social Security number and they transferred me to another number which also ask for my Social Security and some personal information. I gave them the information requested and they told me the money that I owe comes from XXXX but they don't have any other information, they transferred me to a third number : XXXX but there was only a voicemail. 
I searched the company online and on XXXX XXXX I was able to find another phone number and there were a lot of reviews of people being scammed. I still called their number posted on XXXX XXXX : XXXX, on their website they claim to have a partnership with XXXX and when I called to inquiry about my debt they were asking me for the social so I hang up. 

I also searched the number provided by XXXX for the dispute and I found multiple complaints of people being scammed. 

I then contacted XXXX via chat ( on the app ), there was no need to provide my SSN and they were able to tell me my account is fine and I have no debt with them, I sent the representative some screenshots from the collections agency and I even showed them how in my experience shows the original creditor is XXXX, I also told them this collection agency claims to have a partnership with XXXX. The representative then told me he will escalate this to higher ends on XXXX as it was very concerning because they don't have a partnership with this collection agency. 
My information was compromised, and my credit score was affected by a fake debt.
Product: Credit reporting or other personal consumer reports

I've contacted LexisNexis several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from LexisNexis. I am filing this complaint to request that LexisNexis delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with XXXX, XXXX and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX  via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX, XXXX or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider LexisNexis without any validation or verification that the bankruptcy information is accurate or up to date.
Product: Debt collection

in XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXX TX, send me to collection for a bill of {$130.00} that was not paid. I never lived at that address and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies and 2 of them already removed this from my credit file. But this late payment keep showing up on my Experian Credit report. I will appreciate that Experian remove this from my credit file.
Product: Consumer Loan

I LEASED THIS CAR XXXX AT XXXX INFINITI. AT THE DATE OF LEASE AGREEMENT XXXX, THE TOTAL MARKET VALUE OF THE CAR WAS {$30000.00}. AT THE END OF THE LEASE AGREEMENT, THE REMAINING BALANCE/ RESIDUAL PAYOFF WAS {$24000.00} TO PURCHASE THE CAR. I HADNT DECIDED IF I WAS GOING TO PURCHASE THE CAR OR GET A NEW LEASE SO I EXTENDED MY LEASE. THIS EXTENSION WAS VERBAL AND PER INFINITI FINANCIAL SERVICES ( IFS ), I NEEED TO PAY THE MONTHLY NOTE AND IT WOULD BE APPLIED SO ONCE I PAID THE REMAINING BALANCE, THE TITLE/PINK SLIP WOULD BE SENT TO ME. I DID N'T HEAR ANYTHING FURTHER FROM IFS REGARDING THE LEASE. NOW IN XX/XX/XXXX, I CALL TO INQUIRE ABOUT THE STATUS AND THE NEXT STEP AS I HAVE FULFILLED THE PAYOFF BALANCE. I WAS TOLD THAT I STILL HAD A BALANCE. AFTER SPEAKING WITH XXXX XXXX XXXX XXXX FINANCE MANAGER, HE STATED THAT HE 'D HAD N'T SEEN ANYTHING LIKE THIS AND THAT I HAD XXXX EQUITY PAYMENTS MEANING THAT I HAD FULFILLED MY LEASE AGREEMENT. HE THEN REFERRED ME TO XXXX ( IFS CORPORATE ) FINANCE MANAGER. XXXX COULD NOT EXPLAIN HOW MY PAYMENTS WERE BEING CONVERTED TO THE VALUE OF THE CAR, NOR HOW IT 'S LEGAL TO CONTINUE TO CHARGE/COLLECT FOR AN EXPIRED LEASE ( THAT IS PAID OFF ). TODAY, XXXX, IFS IS STATING THAT MY BALANCE IS STILL {$6700.00} ALTHOUGH I 'VE MADE XXXX PAYMENTS TOTALING {$37000.00}. WHICH MEANS I WOULD HAVE PAID {$44000.00} FOR A CAR THAT WAS {$30000.00}. THEY WILL NOT REFUND ME THE OVERAGE I 'VE PAID ACCORDING TO THE LEASE AGREEMENT, NOR WILL THEY CONSIDER TO CAR PAID AND TRANSFER THE TITLE TO ME. YET THEY ARE PENTALIZING ME ( XXXX EXACT WORDS ) FOR MY MISTAKE OF NOT COMPLETING AN AFTER LEASE PURCHASE AGREEMENT. I EXPLAINED TO XXXX THAT HE CAN NOT CONVERT/CAPATILIZE ON AN EXPIRED LEASE AGREEMENT/DEPRECIATION. HE STATED " THAT HE UNDERSTAND WHERE THIS SOUNDS ILLEGAL BUT IT 'S MY FAULT ''. I THINK THIS SHOULD BE INVESTIGATED BY SOMEONE LARGER THAN ME. THIS CORPORATION HAS TAKEN ADVANTAGE OF MY TRUST IN THEM BASED ON THE TERMS OF THE LEASE AGREEMENT AND OTHER VERBAL COMMUNICATION. THE ARE UNWILLING TO END THE BILLING AND CONSIDER THE BALANCE PAID, ALTHOUGH THERE IS PROOF OF MY PAYMENTS. THEY WILL NOT TRANSFER THE TITLE OF THE CAR. AND THE BALANCE CONTINUES TO INCREASE. I HAVE PAID WELL OVER THE BALANCE OF THIS CAR AND THEY ARE USING THEIR SIZE TO BULLY ME. THIS IS UNJUST AND UNFAIR. THEY ARE " PENTALIZING '' / TAKING ADVANTAGE OF ME AS THEY CONTINUE TO COLLECT ON THE PAID, EXPIRED LEASE YET THEY REFUSE TO HONOR THE LEASE AS THE ONLY CONTRACT THAT EXIST.
Product: Debt collection

I have no connection to this debt. It does not belong to me. On XX/XX/year> I called the debt collector and inquired if they have any files in my name or with my ssn. The company searched and reported back they have no ties to me yet this debt is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.
Product: Credit reporting or other personal consumer reports

Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution. This isnt just an inconvenienceits affecting my financial stability and mental well-being.
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was repossessed from my job. In XX/XX/XXXX I paid XXXX   because my fridge went out. Not their problem. I was informed I needed {$1200.00} to get my car back. I scuffled up {$900.00} and I'm grateful that they taken it however every month I auto pay my car note. If I have been carrying over a late fee of {$23.00} for ( 7 ) months {$160.00}. {$320.00} from XX/XX/XXXX plus the {$160.00} totals {$490.00}. My car note would have come out on the XXXX but they included it in the repo plus {$300.00} for towing fee. I have been devastated every since. I don't understand. I know what part I played in it but I got NO documentation about this matter. Thank XXXX some people understood that I am an XXXX and couldn't make it without my vehicle. I am including all my bank statements as proof of payments. Credit Acceptance should have better business practice. I believe I am the first person to get a repo for a partial car note and late fees. Also XXXX XXXX XXXX needs customer service classes and should consider who they are in bed with.
Product: Mortgage

I was having such a hard time w a loan modification w the servicer that I had to hire an attorney. At the end of XX/XX/2019 I was waiting for the signed permanent modification, it took so long to get back the signed mod & there was a pending sale date-so I withheld payment to be sure my loan was modified. I made the payment late in XX/XX/2019. I also applied for a modification ( it took the lender almost a year to correct errors and send a perm modification ) & finances had changed due to wildfires in CA. I never heard back. I was given the run around about the RMA. In XXXX and XXXX, following medical orders, my XXXX  & I were XXXX XXXX and very XXXX. I could hardly function. I sent in a request for COVID assistance of some kind. Still no reply. I was placed in foreclosure during the Pandemic, while the state was declared a Disaster & sheltering in place- I was placed in foreclosure. I did received modification application, which I sent back in XXXX. Perhaps bc of COVID they were understaffed, but in that time, my loan was put in foreclosure, I incurred late fees & foreclosure fees during a Statewide Stay at Home Order. Yesterday I submitted a request online for COVID assistance & sent in a RMA. I attached the docs here, aside from tax returns bc of size.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the Equifax hack. There has been no effect on my credit yet, but the very fact that the information is out there is frightening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reorting act 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a dispute letter to Experian. The bureau did not investigate my dispute but instead sent me a system generated email refusing my FCRA rignt to have questionable items investigated properly for accuracy. Furthermore the credit bureau has no right to refuse my investigation request on the unsubstantiated claim of using a credit repair company, also there is no law that states a consumer may not use a 3rd party nor is there a law that states I must notify the bureau of me utilizing such services as that is my right to privacy and my right as a consumer. Promptly investigate all accounts listed on letter. Please be advised you no longer have another 30 days since you failed to investigate my original request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is really upsetting. My scores went down bigtime due to this inaccurate late report. If you will take a look at the report only 1 agency is reporting this as late.
Product: Checking or savings account

To whom it concerns, First and foremost Pentagon Federal Credit Union has had my XXXX Disabled for the past 3 Month 's, I have called several times, and am always directed back to XXXX for further assistance, While XXXX tell 's me they can not help me. Secondly I finally got XXXX ( XXXX XXXX  ) To Remove the restriction on my XXXX  profile. Once they removed the restriction. Penfed Revoked my account and told me I am not eligible for XXXX. Upon Calling back, I was told now my " Membership '' Was under review. I was also instructed to send in a paper hand written and request the restriction be removed from my membership. Which I DID. PenFed denied that request, and didn't explain why. Today XX/XX/2024, I received a Letter from PenFed Advising they are revoking my Debit Card. I do not have any branches near me, and In the letter it states that Section 4 States IF I cause PenFED A LOSS in anyway, and or If I cause Harm to Penfed or it's subsidiaries. First and foremost, I have NEVER caused PenFed a Loss. I have not caused PenFed any damages and I have not caused any monetary issues for PenFed or attempted to cause such. There is a Lady that is at XXXX and she called my phone and told me If my card had been stolen I need to call the police which I advised her I already did and she yelled on the phone telling me they will put my account under review. Essentially, XXXX reported back to PenFed a Lie and told them I caused them some Loss, without any proof of evidence of such. My card was stolen and charges occurred, however I did not cause PENFED A Loss. I believe this lady is targeting me specifically as a Racial Discriminatory attack. For One, PenFed Restricted my XXXX in the beginning based on what information XXXX was sent from XXXX XXXX  which was a lie, and I have proof I did not open those XXXX account 's Which I advised PENFED. Secondly, After XXXX finally remove the restrictions PENFED REVOKES MY DEBIT CARD. Citing a Paragraph stating I caused PenFED A LOSS or HARM. I never have caused PenFed a Loss. It's not my fault my card was pickpocketed with my wallet, and you can not state XXXX slurs on the phone with a customer. Your representative did so from XXXX, and shes the one who told PenFed to revoke my card. I can not access my funds any other way with PenFed without XXXX or a Debit Card. I do not have any branches near. PenFed Owe 's me monetary relief for lying about me and stating I caused them a Monetary Loss, which is a lie. I have never caused a Loss to any bank. Especially not to PenFed. I have been an active member for over 6 Years and never have I caused a loss. That Statement in its entirety is profiling and without factual evidence is FALSE. PenFed needs to stop lying about consumers when they aren't even doing what is being stated against them. After they " Reviewed '' My Membership. I want this taken care of, XXXX XXXX should be restored and My Debit Card replaced now that PenFed Revoked it for something that isn't true.
Product: Credit card or prepaid card

XXXX of XXXX  I have been going back and forth with Albert about 8 transactions. Sent them the dispute forms via text and email and just keep getting the run around with them. There were several fraudulent transactions that took place on my account in XXXX of XXXX and XXXX of XXXX  and you can only communicate with them via text no one on the phone. They have yet to solve any of these transactions and replace money that was stolen out of my account. They have went from " We received your disputes and are accelerating them '' to " send us the information all over again. Its a big circle and I am being given a hard time.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized information. 

Please see the copy of my dispute letter that were already sent to the involved Bureau.

I have not received any responses yet
Product: Credit card

I have a credit card with Comenity bank, also known as XXXX XXXX. I setup autopay on my account on XX/XX/2023 to make sure that the statement balance is paid by the due date and I do not have to pay finance charges/late fee. My due date was on XX/XX/2023 but the issuer bank did not transfer money from my bank account. Their representative called me on XX/XX/2023 that I have an unpaid balance and if I would like to pay it. When I asked why the money has not been debited from my bank account despite setting up Autopay well in advance of the due date, I was told that the autopay is effective only after XXXX billing cycles and I am responsible for making the payments myself till it takes effect. 
When I checked, I found that I have been charged interest charges of {$31.00}. I sent them an email asking for reverting the charges back, I was given the same response, i.e., the autopay takes effect only after XXXX billing cycle and the finance charges are correct and can not be reversed. I sent another email protesting that it is not my fault that your bank takes so much time setting up autopay, and I should have been informed before the due date that though there is an autopay, the payment will not take effect, but the bank rep is sticking to their argument. These charges are wrong and should be reversed.
Product: Vehicle loan or lease

Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required as I called XXXX XXXX XXXX to make payment arrangements on XX/XX/XXXX I made a payment of XXXX via debit. I have proof Bridgecrest is lying because of the complacency in Cfpb not fully being involved to bring resolution to victims of companies such as Bridgecrest. Why did you lie on XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint # XXXX and say I was late on monthly payment and include private information to a federal office knowing that you would be penalized for providing false information. As far as missing payment Bridgecrest employees knowingly refused mailed money order and sent payment back to my home of record in which I have proof that I addressed my concerns before late payment status to include USPS tracking information. Also uploaded. So again what date was my payment late loud and wrong so busy trying to throw someone under the bus to cover your XXXX that Bridgecrest is the one who got exposed. Bridgecrest has lied on a federal level accountability needs to be made.
Product: Credit card or prepaid card

Hi, I have an active plan with Amex for 24 months at 0 % interest rate for the original amount of {$7500.00} ( on my credit card ) Recently I paid part of the outstanding amount i.e. {$1500.00} dollars assuming it will be used against the outstanding payment ( regular credit card balance for the month ) and not the active plan. I called Amex customer care to ask them if they can use that {$1500.00} for outstanding balance for the month and not for active plan as that is not my intention. Customer service representative told that they can not do that and payment hierarchy is such that it would pay the plan balance first if I paid any extra money before the bill due date. 

Now this is outright deceiving the customers. To me this is common sense, Why would I want to pay off the active plan ( 0 % for 24 months ) before the outstanding balance ( XXXX dollars ). 

I'd like Amex to use the {$1500.00} dollars against outstanding amount and not plan balance.