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

On XX/XX/year> I filed a dispute for product not received because the auto shop didnt do the correct work. SoFi originally responded and said they would have a resolution at the latest XX/XX/year> They responded to a complaint with a letter detailing a date of XX/XX/year> being the latest the merchant can respond They stop answering me and send me generic responses saying claims take up to 90+ days when its already been 138 days since the claim was filed
Product: Credit card

Synchrony bank first lowered by credit amount without notice and then closed account without notice or authorization. Payments made on time and over minimum amounts. Customer service said too bad they can do that per an agreement. An agreement I never received nor signed.
Product: Checking or savings account

I received a promotional brochure from Key Bank advertising that with a new account opened at Key Bank with a deposit of at least {$500.00}, Key Bank would credit the new account {$400.00}. A copy of the promotional brochure is attached. I opened the new checking account and transferred {$500.00} on XX/XX/XXXX. The funds I transferred were never credited to the new account with Key Bank. Upon questioning Key Bank, they stated that my funds had been received but were restricted for some reason. I have made phone calls, sent emails, and visited the local Key Bank branch trying to at least get my {$500.00} back. 12 days have now passed since Key Bank received my funds. I have yet to receive a substantive response or resolution regarding this issue. As a consumer, I don't know what recourse is available to me to pursue an organization that simply takes my money and feels no responsibility to address the fact that the money I sent does not belong to them.
Product: Vehicle loan or lease

I had a car loan with another company for my XXXX XXXX that I bought in XXXX. I only owed in XXXX {$11000.00}. I was told by One Main Financial that if I went to them my payments would be smaller and I would pay it off faster. I was told the amount owed was {$12000.00}, because they gave me {$1200.00} as a personal loan for. When I was reviewing the contract I noticed that the full amount was {$21000.00} for the loan and was told by the manager that was not a true number and to ignore it, that I would actually owe less on my car than the {$11000.00} to pay it off. I was also told in order to get this deal, I would have to sign that day and that I would not be eligible the next day. She told me that she had to go pick up her kids from daycare and that I had to sign the documents now or they could not offer this great deal to me again Over time, I would mention that the account online said it was still {$21000.00} owed and again was told that wasn't a true number and to ignore it. After making payments for three years, I called for the true payout amount and was told it {$15000.00}. That is more than I owed before I got this loan with OneMain. I filed a complaint and then was told again that the {$15000.00} was not the true amount if I paid extra every month. The math does not add up. So I have literally paid for my car twice. This is fraud and I was misled on several occasions about the payout amount. I am stuck in this loan. People should know about this fraudulent activity from this company. Furthermore, I have requested on numerous occasions to not call me during work hours and they continued to do so. They lied about the amount owed and continued to lie about it. This is fraud and they are having people sign for loans and giving them fraudulent information about them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Personal loan {$50000.00} These accounts are unauthorized, Fraud!!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

I have had a Lowe 's credit card since XX/XX/XXXX. It was taken over by Synchrony Bank within the past 2 years. The bill comes due on the XXXX of the month. I have paid my bill, usually on time or within 7 days. since I opened the account, Within the past few months, XXXX, XXXX and XX/XX/XXXX I paid the bill within 7 to 15 days. XXXX was on time XXXX was 6 days late. In the middle of XXXX, I was injured in a serious accident and was incapacitated for over 6 weeks. During the time I have had the card, the bank has raised my credit availability several times without my asking.
On XX/XX/XXXX I got a letter from the bank saying they were reducing my credit availability from over 4500 to XXXX. Due to several reasons which are questionable to say the least. # maximum consecutive months with a balance increase 6 months, # Used too much of my credit limit within 6 months ( {$1000.00} I think ) # % of time payment was greater or equal to the Balance ( I was never aware the balance needed to be paid off in full every year ) and # low ratio of payments vs amount due. ( I pay more than the minimum amount owed every month.
The real problem is the amount they reduced my credit line to, is an amount which is {$7.00} dollars less than all the fees they are charging, which created an over limit on the account, ( when I was never anywhere near the limit to begin with ) which I am being penalized for, which they are increasing the APR rate by over 10 % which I believe is a predatory action on their part.
I could care less about the limit reduction. What I am upset about is they are using their action in an arbitrary, capricious reasons to destroy my credit when I really did nothing wrong. I paid more than the minimums they asked for. If they needed a larger payment they should have stated so. I am not a mind reader. I want the the credit to be increased to {$3100.00}, to cover the {$7.00} they charged which created the over-limit and I want the derogatory information from this incident removed from my credit report, and all fees made by over limit returned to me, and the APR set back to where it was when the account was issued, Thank you.
Product: Credit card or prepaid card

out of work for 2 months for covid stayat home order. made plenty of oaynents in good faith to amex. i of course have proof how we were paying them. they call my home all day up to XXXX at night. i asked them to not keep calling me that there was a pandemic and we have been paying you. they said ok theyll cease and desist XXXX hung up. next thing i know they reported me deliquient and made my perfect XXXX score to XXXX they specifically said aa long as im paying them theyd not report me. they asked me for {$2600.00} per month and weve paid {$5000.00} payments in less than a month. unreal how to treat people at their worst time
Product: Debt collection

On XX/XX/2018 the company Diaz and Associates contacted my human resources department at my employment. They stated that they were trying to set up a time for me to meet with the sheriff 's office off site. I told them the debt was not mine. I sent them a cease and desist letter by mail, fax and also email at XXXX. 

I received a voicemail at XXXX on Monday, XX/XX/XXXX, another voicemail on XX/XX/XXXX @ XXXX XXXX and another voicemail on XX/XX/XXXX @ XXXX XXXX. regarding this debt. The last two voicemails from someone named XXXX. They have disregarded my letter stating not to contact me. Also they are misrepresenting themselves as a law office that will send the sheriff 's office to my home or work.
Product: Credit card or prepaid card

On the morning of XX/XX/2023, I noticed that my Capital One ( Walmart ) credit card account was showing closed on the app. I had previously took out a loan with my bank to pay down my balance with Capital One. I contacted Capital One to inquire why my account was closed and my cash back funds used. The informed me that my bank had authorized this closure. I contacted my bank and was informed that they had not authorized the closure and sent me the communication ( letter ) that accompanied the payments they sent. I requested my account be reinstated and proof of closing authorization from my bank which I and my bank know they do not have. As of date, I have not received the promised communication from Capital One either explaining closure of my account, proof of authorization to close my account, location of cash back funds, or reinstatement of my account. Ive included my financial institutions loan officer that forwarded the communication ( letter ) to Capital One. As in the communication ( Letter ) that was provide to myself and Capital One by my financial institution simply states that my financial institution has been giving permission by me to inquire as to how funds provided by the financial institution were executed and my inquire about the status of my credit card account it doesnt state that the were given permission to make decisions concerning my credit card account. My loan officer has been made aware of this issue and has provided her contact information if further assistance is need from my financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XXXX ) and continued over the next months as per the agreement. However, in XXXX I was told by XXXX XXXX that they rescinded the offer made in XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XXXX and XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on XX/XX/2021 XXXX to report the employer information is still incorrect on my report, I tried to report it online but the online system wouldn't allow me to. I called in spoke to a representative that didn't speak clear English, he didn't understand my answers and I barely could understand him. He asked me security questions to identify myself I answered all the questions correctly, even though I believe he put my information in the system incorrectly because he doesn't understand very well. He came back on the line and told he couldn't verify me and to send in my social security card and ID. I told him no, I will not send in my personal information especially since I answered his questions correctly to identify me. I told him I want a supervisor that understands English and that could fix my issue. He went on and on and became rude and argumentative about me wanting a supervisor. I have been on the call for over 1 hour and 20 minutes and still no supervisor to speak to me and still my personal information on my report is incorrect. This the 2nd phone call placed to Equifax within the past 3 months to no avail. I need help and I need help now with having my employer information corrected in the system and I don't want to send in my personal information for people that work in a different country to have my information.
Product: Money transfer, virtual currency, or money service

Im an over 10 years PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer use PayPal email on XX/XX/XXXX. I tried to contact paypal about why my account has been limited and got responses of reason for risky activities. Then I checked the paypal terms, it said : " Higher risk activity We may limit your account if your seller performance indicates high risk activity. This can happen if you : Receive an unusually high number of claims and chargebacks from your buyers, which are an indication of poor seller performance Start selling an entirely new type of product, such as a higher-cost item like jewelry Experience rapidly increasing sales volume, which is out of nature with your usual sales patterns In these cases, we may limit your account while we do a review. '' But I primarily use my PayPal for online shopping payment processor and utility bill pay. In addition, I checked these years ' activities, there is no chargeback, no return or refund in my PayPal and also no money sending or requesting. Everything I do on PayPal is completely legitimate. Here are several examples of recent transactions : XX/XX/XXXX : {$490.00} sent to XXXX XXXXXX/XX/XXXX : {$5.00} sent to XXXX XXXX XXXX XXXX XXXX : {$450.00} sent to XXXX XXXX None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX ; inquiry XXXX
Product: Credit reporting or other personal consumer reports

These inquires listed are fraudulent unauthorized inquires. I have requested them to be removed and sent letters. There has been no response. Please remove these immediately as it is hurting my credit. XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

XXXX i sent money with zelle and my ex wife never received it,
Product: Credit reporting or other personal consumer reports

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

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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am filing this complaint because my credit application with Capital One was denied due to a lack of credit history from XXXX, XXXX, and XXXX. Although I provided all necessary information, including my Social Security number, I was still denied credit. This decision violates the Equal Credit Opportunity Act ( XXXX ), which prohibits discrimination in credit decisions. Denying my application solely because I do not have a credit report unfairly prevents me from equal access to credit. I am requesting that Capital One reverse the decision or provide compensation for this unfair treatment.
Product: Student loan

Premier Student Loan Center. I was told that this was going to take care of 80 % of my loan and my loans have not decreased. I can not get in touch with anyone in this company. I have tried to send emails and they are no longer working. I would like to get my money back from these fraudulent practices.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They removed the account before when I disputed it. And its off all bureaus, but Trans Union. They put it back on there for some reason, and it should be taken off because it is not my account through XXXX XXXX XXXX.
Product: Vehicle loan or lease

I took  my BMW in to  the  XXXX   XXXX   XXXX  DE  location  in   XX/XX/XXXX  to  start exploring getting a new lease since it was up in   XX/XX/XXXX .  While I was test driving they did an exception on my car and when I returned they told me no worries nothing is wrong with your car. Which I expected since it only had  XXXX  miles on it. I hardly ever drove other th an   XXXX    miles to and from work. I decided not to go with  BMW an  instead go with a  XXXX . When we called they said no issues with turning it in early.
Product: Debt collection

I have this company Monarch Recovery repeatedly call regarding some sort of debt collection that is not mine and not under my name or SS #. I have repeatedly asked them to take my number off of whatever this account is for because I am not the person who's name they ask for. They either hang up on me as soon as I say, " take my number off '' or say they will update the account and then just call me again the next day as you can see from the call log below. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXasked them to take my number off* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked them to take my number off* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked them to take my number offXXXX 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 *asked them to take my number off* 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  feel like they've possibly been calling me for longer, but these are the only ones I noted in my phone as coming from Monarch Recovery specifically.
Product: Debt collection

I keep getting these calls from XXXX and they never leave a message. So I looked them up and found it to be XXXX XXXX in XXXX XXXX, CA. I do NOT owe anyone anything. I have never been late on a bill in my life, my current bills ( which there are only three ) I have paid in excess of a year in advance. I have blocked their phone number and will not call them as any previous attempts to call such places who all seem to be looking for a " XXXX XXXX '' resulted in abusive service and continued calls. I am NOT XXXX XXXX and again, I owe NO ONE and I am NOT late on ANY bills. These calls must stop or I will have my lawyer involved and sue them for {$1500.00} per call as I understand is my right to do.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Regardless of all my submissions, XXXX will respond in less than XXXX hours stating the account is accurate, or has been updated without providing any evidence that the account was investigated. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also violate the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, XXXX recent administrative proceedings ( File No. XXXX ), against them in similar violations. I request that the CFPB ensures that XXXX complies with the Federal Law, and provide proof of investigation.