23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested that my account be closed in XXXX of XXXX and it wasn't. So they charged me again for a monthly XXXX  service and charged me a late fee on top of that. 
I talked with XXXX on XX/XX/XXXX and told her my account should have been closed and she said she could look into it and put in a request. I got a letter on XX/XX/XXXX stating they would respond about the dispute as quickly as possible. I then received a letter on XX/XX/XXXX saying that I didn't close my account until after the reoccurring charge date, which is not accurate because I requested it in XXXX. I then received a bill in XXXX for {$31.00}. I called on XX/XX/XXXX and spoke to XXXX and she told me I only owed {$22.00} ( for their mistake of not closing my account and letting my card be charged again ). They were trying to charge me another late fee and I told her I wasn't paying it. I made out a check that day and sent it in because I wanted to be done with this. Then I get another bill in XXXX for {$64.00} and they were trying to charge me for the previous amount ( That I already sent a check in for and they cashed on XXXX ) and charge another late fee of {$31.00} and {$2.00} interest charge. I called again and the automated system told me I owed {$2.00}. I then talked with XXXX and she told me I didn't owe anything and it would take 1-2 business days to process. Again, I get another bill in XXXX for {$4.00} for the interest charges. I just ignored it because at this point I was extremely fed up. I then get another bill in XXXX saying I owed {$6.00}. I called the number they left on my voicemail and it was useless as I was on hold for XXXX minutes with no response. So I called the number on the bill and the automated system told me I owed {$8.00}. Once someone finally answered at XXXX I told her I wanted to speak with a supervisor. At XXXX she told me they were getting a supervisor on the line. She came back on at XXXX and told me a supervisor wasn't available and to wait a few more minutes. XXXX came back on at XXXX and still no supervisor. I told her I was not waiting any longer for a supervisor. I also said that she needed to tell her supervisor that this is getting to be harassment and that I will contact a lawyer if need be because they should be able to read my file and know that I don't owe money. If they bothered to do their job right they would know this. I told her I was done and that someone needed to figure this out. NEVER received a call from a supervisor, but I did get another bill on XX/XX/XXXX saying I owe {$8.00}. I sent the paystub back with a letter attached to it stating all of the above and they still keep calling me. I'm completely fed up with this company and something needs to be done with them because they filed a complaint against my credit score when it isn't even my fault. They need to fix my credit report. I also shouldn't have had to pay them for their mistake because they didn't listen in XXXX when I said to close my account. They wasted my valuable time being on hold for all the calls/minutes and money I spent for something they should be held accountable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a secured loan with XXXX XXXXXXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid XXXX XXXXXXXX to report on my credit positively. Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with XXXX late payments. I reached out to the company and asked them why they did that considering that my card on file was not removed. There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund XXXX XXXX or more of what I paid but I haven't been refunded for anything. I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS AND INQUIRIES WERE OPENED AND MADE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I AM A VICTIM OF IDENTITY THEFT. 




XXXX XXXX. 

XXXX XXXX XXXX XXXX Account # XXXX, - High Balance : {$32000.00}, Date Opened : XX/XX/XXXX, Account Type : AUTO LOAN Account # XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Profit and loss write-off Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 60 Month ( XXXX ) Past Due Amount : {$13000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} XXXX. 

XXXX - Account # XXXX - High Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$2000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : XXXX XXXX XXXX Last Payment XXXX -- Past Due Amount : -- Account Type : -- XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$55.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Personal Loan Companies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the XXXX XXXX. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$30.00} Account Type : Charge account Payment Frequency : -- Credit Limit : {$750.00} CREDIT Inquiries : Creditor Name Date of Inquiry Credit Bureau INFORMATIVE XX/XX/XXXX XXXX INFORMATIVE RESEARCH I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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: Student loan

Their website does not include the loan interest rate and whether it is variable or fixed. Also, student loans should be required to show you the interest that is accruing each month, just like credit card company statements. When I inquired with the company they would n't tell me whether it was variable or fixed. This is a deceptive business practice designed to trick students and must be stopped.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : U.S. Bankruptcy Court : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX XXXX XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

XXXX XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

On XX/XX/2022 MEDICAL DATA SYSTEMS I, issued a collection to my credit report stating that I owed them {$1500.00} under account number XXXX. This is inaccurate, by law per the FDCPA & FCRA they are required to show where they've verified that this debt belongs to me by producing an original copy of the document bearing my signature stating that I would pay a third party ( MEDICAL DATA SYSTEMS I ) a debt of {$1500.00}. I have written to them to rectify this situation and have shown them by law where they violated my consumer right under the ( FDCPA ) XXXX Validation of Debts ( a ) ( 1 ) - ( 5 ) as well as but not limited to XXXX. False or misleading representations. MEDICAL DATA SYSTEMS I also truncated or abbreviated information on my credit report seeing that the account number is abbreviated MEDICAL DATA SYSTEMS I 15 U.S. Code & 1679c - Disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a transunion account today thinking I was just signing up for an account the same way you sign up for XXXX XXXX and XXXX etc. After I registered and verified my identity, it took me to the dashboard but wouldn't show me a score. The dashboard area has a link that says " get the full picture ''. I clicked the link and it took me to a page for ordering " 3-bureau credit report and score ''. I closed out of the page because I realized it wasn't free so closed the page and I logged out of my account. I opened my email a short while later and see an email from transunion that I had been charged {$19.00} for TransUnion Report, Score, and 3-Bureau Credit Monitoring and that it will be a monthly charge until I cancel. I was very surprised by this so I XXXX how to cancel and followed the steps to cancel the subscription. However, I on the cancelation page it showed I have already been charged a one-month subscription fee from XX/XX/XXXX to XX/XX/2018 and I don't even understand why. I didn't actually place any order on the " get full picture '' page, I closed out of the page completely so I don't even understand what I was charged for? Do you get charged simply for registering and creating an account? There was no indication during registration that I would be charged. When I was asked to enter credit card information on the sign up page, I assumed it was part of ID verification. I am thoroughly confused right now and would like a refund of the {$19.00} I have been charged.
Product: Vehicle loan or lease

On XX/XX/2022 I called Synchrony Bank because I received my statement, which shows the payment I've made on XX/XX/2022 for {$1000.00} showing it all went all to the interest, I was not told this other wise I would have sent a payment to the principal. 
I believe I am being penalized by synchrony bank for making two payment to the principal. 
XX/XX/2022 {$1000.00} to the principal. 
XX/XX/2022 {$1300.00} to the principal. 
Synchrony Bank does not offer an online account services therefore I am not able to see exactly my balance, or how I can save on interest or payoff this loan faster. 

Synchrony Bank is not transparent on how me as a customer can save money on the interest, or how can I pay the loan faster, even though I am paying towards the principal I get charged the same the interest either way. 

I have been discriminated against by this company because of my last name and accent. 
This is my third complaint with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
CREDIT CONCEPTS INC - Inquiry : XX/XX/XXXX CERTIFIED CREDIT RPDT, - Inquiry : XX/XX/XXXX XXXX XXXX - Inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I made a complaint about LexisNexis reporting inaccurate fraudulent and deceptive information XXXX is the original complaint number. LexisNexis came back to the cfpb stating that the information that they were giving out could NOT be verified so by law they have to delete this information. But come to find out LexisNexis was very deceptive they in fact did Not delete this information and they are in fact still reporting this information to all three credit bureaus. I asked LexisNexis to delete this information from ALL of their systems. Also to send this information to all three credit bureaus who they reported/sold this information to stating this information was inaccurate.LexisNexis failed to do anything that they said that they done and this is very deceptive. I have spoke to LexisNexis several times and they are stating to me that they do not have to delete this information out of their unverified side of their company and that they do not have to follow the cfpb rules with an unverified information. But if the information is unverifiable How are they still verifying this information with anyone if they can not verify it. LexisNexis is falsifying information using deceptive practices also knowingly and willingly disregarding the law. I have upload a paper from them stating that they have deleted this information I will also show a new credit report where it is still being verified by Lexis Nexis. LexisNexis time frame to do there so-called investigative report has expired I'm demanding that they delete this information within XXXX hours or else I will seek remedy I also attached a copy of my passport because LexisNexis always try to say that I did not send proper identification to verify who I am
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged late fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company Cane & Weiner is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I opened a TD secured credit card ( credit builder ) in XXXX of XXXX. The account was subsequently alleged closed by TD Bank in XXXX or XXXX of XXXX as allegedly 60 days delinquent and " closed by credit grantor/TD Bank '' per the account history reflected on my credit report.

However, what they reported on my credit report / account history mentioned above is totally false. I had mailed communications requesting the account be closed using the collateral long before the account became delinquent and TD closed the account. So the account should have been reported as closed in good standing and closure as requested by borrower/consumer.

I would like TD to send me all the history and payment history concerning this account.

The last 4 digits of my SSN is XXXX I am requesting that TD Bank correct my credit report by removing the 60 days late notation and notate the account as closed by borrower in good standing. Failure to do so is a blatant violation of the FCRA and I will have to contact my attorney. I want the FTC to sanction if not resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 20 days from writing this, my account was locked. When I try to login the app gives me the following message “Your account has been locked, please visit coinbase.com to resolve.” So I contact support and they are prompt to initially respond but then they completely forget about me for 3 weeks. I deposited $XXXX USD into my account at the beginning of the month. I would like a refund. This long of a wait time on such a small issue is ridiculous.
Product: Mortgage

Hello, Thank you in advance for hearing my complaint. 

I am 2 years in application for mortgage assistance with " Keep Your Home California '' and " XXXX XXXX XXXX, XXXX ''. 

What started as a few months delinquent has now become 2 years in arrears. Due to delays with processing and changes in equity value I 've been encouraged to re-apply over and over again. Wasting time and increasing my arrears to currently over {$70000.00}. 

Now while still awaiting final decision regarding XXXX assistance, my lender, ( SLS ), has moved forward with Trustee Sale. I now have a sale date of XXXX/XXXX/XXXX and it 's escalated my situation into forcing me to sell my home to avoid loss of existing equity. ( potentially approximately {$200000.00} ). 

I was told that a sale date would not be set until the XXXX decision was finalized. 

Any information and assistance in pursuing this matter and saving my home is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and to my surprise, I seen numerous fraudulent hard inquiries on my report. I contacted the credit bureaus. They said to contact the FCRA and a complaints first. 


XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020+ XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020
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 and XXXX 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, XXXX Bank, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX 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, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX and Experian and XXXX 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 XXXX, XXXX Bank, XXXX XXXX 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. '' Never informed me of my right to exercise my nondisclosure option. XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX 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 and XXXX 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 your reporting services.