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

At approximately XX/XX/XXXX I executed a lease with XXXX XXXX XXXX XXXX in XXXX, PA for a one year period. I deposited {$500.00} and agreed to {$1100.00} per month. In XXXX, XXXX I lost my job and, pursuant to the lease, notified XXXX that I was going to have to breach my lease since I could not afford to live there any longer. I paid rent through, what my records reflect, XXXX and, after vacating the apartment in XXXX, continued to pay rent for XXXX, XXXX and {$500.00} in XXXX ( still didn't have a job ). XXXX has a mitigation of damages paragraph in the lease and, since they did not bill me for any further rent, fees, etc. I assumed they had re-leased the property and I did not owe further. Since I departed in mid-XXXX, I have not received any communication as to balances allegedly due. In approximately XXXX, XXXX, a company ( XXXX XXXX XXXX ) placed a " collection '' account on all of my credit bureau reports for {$4100.00} referencing XXXX XXXX as the original debtor. On or about XX/XX/XXXX, I wrote XXXX XXXX and XXXX XXXX XXXX protesting this action and demanding an accounting of balances allegedly due ( keep in mind I had never been advised that there was any balance allegedly due from XXXX or XXXX ). I did not receive a response. I immediately protested through Experian, XXXX  and XXXX. Experian purportedly investigated and indicated that the debt was valid and they would take no action. I resubmitted a dispute with additional information and was again denied. The third time, with even more information yielded the same results. Neither XXXX nor XXXX XXXX nor XXXX have ever disclosed any balance due or owing, never explained why a balance would be due, and why they waited two years before deciding to ruing my credit. I have protested to XXXX and XXXX XXXX no less than eight ( 8 ) times and have yet to receive a response describing the alleged balance due of {$4100.00}. I have demanded an accounting to no avail. Because of this reckless placement of a previously unknown alleged balance due, I have lost four ( 4 ) jobs because of the collection account, which is wholly unfair. I don't even have a chance to resolve any purported dispute because 1 ) they will not respond, 2 ) there is no justification for the amount, 3 ) XXXX had a mitigation clause in the lease, which has never been measured or accounted for. I can not get work, because of the type work I do because of this collection account on my bureau reports and I can not get it resolved because none of the involved parties will respond to repeated requests. I am at a loss and broke to boot because of this inability to get jobs thanks to this action taken by XXXX and XXXX XXXX. 

I am asking that this amount be removed from my credit reports immediately. I am asking for a detailed accounting of what is allegedly owed and, if there are monies I owe, I will ask for a payment plan ( while this is off my credit reports ) so that I can pay my due. I would also ask for the actions taken by XXXX as part of their mitigation requirements under the lease.
Product: Credit card or prepaid card

XX/XX/XXXX My CFPB complaint was that I believe USAA are criminals frauding consumers after they experience fraud. USAA HAS NOT RESPONDED other than deny any wrong doing claiming all credits are applied correctly WITHOUT ALLOWING CONSUMERS TO VIEW INTERNAL CREDITS & SEE WHAT BECOMES PERMANET CREDIT. They take advanage of those in bad situation. All USAA credits are temporary to begin and USAA coverts all fraud to disputes to create temporary credits internally that never become permanet. ALL USAA CREDITS ARE INTERNAL.I have never seen the permanet credit I was supposed to get letter XX/XX/XXXX documents. This letter, provided previously says Fraud credits for XX/XX/XXXX claim {$470.00} temporary credits HAVE BEEN MADE PERMANET but I am never alliwed to see these INTERNAL CALCULATIONS. There are NO PERMANET CREDITS I CAN SEE. It took USAA 10 months to complete this fraud in my favor. It was first converted into a dispute putting temp credits that BECAME CREDIT REVERSALS NEW PURCHASES. I called today, spoke to XXXX ASKED TO SEE MY INTERNAL CREDITS he says consumers are not privy to internal banking. Fraud Reported XX/XX/XXXX HAS NEVER GOTTEN PERMANET CREDITS BUT THOUSANDS OF DOLLARS OF CREDIT REVERSALS the temp credits created. How can USAA never allow me to view credits? How can they Not investigate fraud? XX/XX/XXXX fraud {$470.00} took til XX/XX/XXXX to complete this very first fraud that occurred on my account and this is just the beginning.This account was first used XX/XX/XXXX FRAUD IMMEADTELY OCCURRED. STILL NO RESOLVE but USAA SAYS ALL GOOD. USAA CAN NOT BE TRUSTED. They deny wrong doing after being fined MILLIONS. CLEARLY USAAs ATTITUDE OF ABOVE LAW DO NO WRONG HAS NOT CHANGED AND USAA CONTINUES WITH UNFAIR BUSINESS PRACTICES OR EVEN CRIMINAL ACTIVITY. Guess they are playing Follow the Country Leader. Fines do not stop them. What will?
Product: Credit reporting, credit repair services, or other personal consumer reports

Called transunion to get unauthorized inquirys removed Sent in letters police reports XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I open opened this account XXXX/XXXX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XXXX/XXXX/XXXX for {$30.00} XXXX {$27.00} scheduled payment ) then on XXXX/XXXX/XXXX paid {$38.00} XXXX which would have paid off the entire debt ). I .. all payments were reported as paid. Until XXXX stating I was 30 days late, which is not true. 
On or about XXXX/XXXX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XXXX/XXXX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XXXX/XXXX/XXXX and payment was not credited until XXXX though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.
Product: Vehicle loan or lease

XXXX XXXX XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligor 's loss, and or property damage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, did not include my insurance in my finance charge. Fact, XXXX is aware and has proof in attachment labelled as Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact XXXX cash as shown in attachment labelled as Exhibit B. Fact, XXXX is aware and has proof in attachment labelled as Exhibit C that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact called my telephone over 19 times with the intent to annoy, abuse or harass me, under the provisions of 15 USC 1692 ( d ). SOUTHEAST TOYOTA FINANCE, in fact called me numerous times in an attempt to collect a debt. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civil and criminally liable.
Product: Credit reporting or other personal consumer reports

Inaccurate information was and is currently being reported on my consumer report. They reported wrong dates and accounts. This information is being reported from Equifax, XXXX, XXXX XXXX, to Please remove the late payment remarks on my consumer credit report because they are inaccurate, and the following accounts also are inaccurately being reported I have no knowledge of these accounts, nor do I have a contract with these companies. I requested Equifax and theses companies XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX to conduct an investigation on these accounts. All these companies failed to provide proof of the investigation on the first request of 30 days and on the second request of over 30 days. 
Account Numbers from Equifax, XXXX, and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The have sent letters to bureaus 2 times and I haven't receive a response. This crazy they can do this. Im not even being notified of the results of my disputes. It has been over 60 days and no response.
Product: Credit reporting or other personal consumer reports

There is incorrect personal information on my credit report such as my name and address. I want fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by mail by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX That they had interest in purchasing my XXXX XXXX from my lease and to look at the new specials they had on vehicles. I went in on XXXX/XXXX/17 because they needed to give me an estimate on my car before estimating what payments would be on a new vehicle. This visit was ONLY for estimate purposes. I never supplied my SSN or filled out any application, nor indicated I would be purchasing a new vehicle. I suspect they had an old application of mine on file ( I 've leased XXXX vehicles from them ) and ran my credit report without my knowledge. I was notified my Equifax report was pulled on XXXX/XXXX/17. I contacted the sales consultant on XXXX/XXXX/17 to address the issue. He promptly responded that they did not pull my credit report and that I may be scammed. I replied that it came directly from Equifax. He said he would ask his finance manager and I never heard back after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting phone calls about a Chase card & I do not own a Chase card. The man had an XXXX accent & is harassing me verbally with XXXX inappropriate things. He calls from different numbers to speak about his XXXX & trying to have XXXX with me. Ive asked to speak to his manager but its a SCAM call. How in the XXXX do you stop this? This is so disgusting & disrespectful. Invasive even because he has my XXXX number. 

These are the two numbers he has called me from : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My account with BBVA Visa Card opened XX/XX/2019. Within one year and 2month period, my BBVA Visa card compromised three times already because someone made a fraudulent charges and when I reported to BBVA they BLOCKED the card and replaced with new card. I live in XXXX XXXX XXXX and these fraudulent charges from XXXX where BBVA have more activity. look like, someone inside BBVA leakage the information. When I reported about this, the representative of BBVA do not take serious and see why within one year they have to issue fourth card and they have to blocked the previous card. My husband also have a individual account with BBVA also and he also had similar issue. I do have other visa cards from other bank but no one have this issue last many years. LOOK like BBVA have a problem to keep consumers information correctly and provide credit card information ti other and they make all these fraudulent charges.
Product: Debt collection

I am trying to pay money to myloancare and they don't want to take the money. I am very disappointed. 
-Please keep in mind that each phone call takes from 60 minutes up to 3 hours. Yes. 
-All emails and contact us web forms send an auto responder email and no one gets back to you - You leave a message to call you back within 24 hours, no one calls back .... NO ONE. 
- All calls are recorded, many times they just hang up the call. I wish I could get any of these recordings. 

So here are the issues briefly that I have been facing. 

ISSUE # 1 : A check was cut on XX/XX/XXXX and mailed on XX/XX/XXXX by a local Covid 19 XXXX and XXXX XXXX program as I was qualified due to my hardship, the check was with an amount of XXXX it was mailed to the below address : XXXX XXXX XXXX XXXX, PA XXXX The amount never got deposited into my account. 

We kept on going back and forth with the company ... No way we could find the check. and of course its USPS 's fault. 


ISSUE # XXXX : since XX/XX/XXXX We have been requesting an affidavit of Lost check signed, notarized and sealed, which has never been done. 

ISSUE # XXXX : A new check was issued again by the same covid 19 mortgage relief program dated XX/XX/XXXX in the amount of {$5800.00}. 
It was mailed, using certified mail, to the below address : XXXX XXXX XXXX XXXX, PA XXXX I provided the USPS Tracking number : XXXX and was delivered to your XXXX XXXX on XXXX, XXXX, XXXX at XXXX XXXX  and has never been deposited into my account. TILL TODAY. it is within their facility, with my loan number referenced onto it, and never cached????? 
And guess what, I have to call everyday and LITERALLY STAY for HOURS on the phone begging for assistance, and the loss-mitigation team would tell me the only thing i could do is leave a message to the supervisor. 

ISSUE # 4 : On XX/XX/XXXX, I was applying for one month mortgage payment assistance at a different Service Agency, in the amount of {$1400.00}. As per a telephone conversation with XXXX at MyLoanCare, We emailed them the required documents so that they could pay the money to myloancare, which is the mortgage statement as well as and W-9 which need to be filled out and returned to me. You would then receive payment within 30 days. 

Another Rent and Mortgage Form was to pay {$1400.00}. After all the phone calls and emails and tickets created, We got the form filled up for {$1100.00}. 

Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX I am extremely disappointed. I have put more than 40 hours of time in calling XXXX just to be able to get this amount of money into my account. Crazy Right. 
I tried to file a complaint, and I wasnt able to do it. I guess I need to be more creative and think outside the box. 

I sent emails to all these emails : No response XXXX, XXXX, XXXX, Payment ; XXXX ; XXXXXXXX XXXX  XXXX ; XXXXXXXXq ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX did not apply for a loan from Atlas they dont have my signature or premission on anything
Product: Credit reporting or other personal consumer reports

I have sent letters certified US mail to update my correct personal information. These credit bureaus after the correction revert back to incorrect information. I have a freeze and have sent all documentation necessary and allowed months to pass to double check behind these credit bureaus.
Product: Credit card or prepaid card

I make 1/2 of my payment bi-weekly. Because sometimes 3 halves of the payment post during one billing cycle ( by 1-2 days ) and only 1 during the next cycle ( 2nd being make 1-2 days after cycle ). Synchrony bank charges me late fees. I am not late - I am actually ahead of their schedule and will end up making 13 payments in a year rather than 12. Each time this happens it takes 3-4 calls to get it corrected. This time they are refusing to correct the problem. I am not sure how a company can charge late fees to a customer who is actually ahead in their payments..
Product: Mortgage

Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.
Product: Debt collection

I do not owe this company CCS collections. I do not owe this debt. I have requested this company to provide proof of debt owed as well as the original contract. This company has failed to provide this informaiton
Product: Credit card

I have XXXX charged off By Navy federal credit union. all in XXXX  I've reached out several times in regards to getting my XXXX because they charged them off. As well as sold the debt to XXXX collections companies which is not only illegal, How are they continuing to report something that's closed this is illegal. My Consumer Rights are being violated. They have also committed fraud against me the consumer and with the irs. 
XXXX : XXXX XXXX XXXX XXXX Reported balance : {$15000.00} XXXX XXXX Remarks : Charged off as bad debit, Canceled By credit grantor Type : Credit Card Account Status : Closed XXXX : XXXX XXXX XXXX XXXX Reported balance : {$10000.00} Opened:XXXX XXXX Remarks : Charged off as bad debit, Canceled By credit grantor Type : Credit Card Account Status : Closed XXXX : XXXX XXXX XXXX XXXX Reported balance : {$3000.00} XXXX XXXX Remarks : Charged off as bad debit, Canceled By credit grantor Type : Credit Card Account Status : Closed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and these accounts were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
Fraudulent Accounts : XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$930.00}
Product: Debt collection

I had agreement with Tenagliahunt to pay a debt amount XXXX $ in 12 monthly payments of XXXX XXXX I already paid XXXX payment on XXXX then on XXXX. 2024 they changed my bank account XXXX XXXX The other thing is that on company website I have account where I can pay my debt and it shows different amount, higher than I agreed to pay. I called company many times, left voice messages with no response. ( XXXX times ) Last Monday someone from company called me and told me that they will fix website account and payment but it is Thursday already and they didn't do it. I paid XXXX $ this month and I'm afraid that on XXXX they will charge me again.
Product: Credit reporting or other personal consumer reports

THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. I AM REQUESTING THAT MY CREDIT PROFILE IS UPDATED WITH THE CORRECT INFORMATION, THERE SHOULD NOT BE A BALANCE. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER REPORT.
Product: Mortgage

All concerned, NFCU refuses to refund me a duplicate mortgage payment of XXXX I GAVETHEM THE REQUIRED DOCUMENTS AND THEY STILL REFUSE. XXXX DOCS SHOW MY OVERDRAFT CLEARLY PAYING THE XXXX. I GET MORE EXCUSES EACH TIME I TRY TO RESOLVE IT. THEY ARE UNABLE TO READ A CHECKING ACCOUNT STATEMENT. 


FURTHERMORE, I WILL NOT MAKE XXXX SINGLE PAYMENT TOWARD MY NFCU MORTGAGE UNTIL THIS IS RESOLVED. THANK YOU, XXXX XXXX, FOR RUINING MY XXXX. FROM ME TO NFCU
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. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Credit Bureau collection XXXX  fit life Account # XXXX, XXXX & XXXX XXXX Account XXXX 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 an account without my written instructions 15 U.S.C 1681 c. ( 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 reports by more than seven years.15 U.S.c 1681 s-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.