23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX, my XXXX Credit Card issued by Comenity Bank had a balance of {$10.00}, which was paid-in-full prior to the statement closing date of X/XX/2017. My XXXX statement was a bill for {$2.00}, for an account with a zero balance. The company representative explained to me that this is a " trailing finance charge '' assessed when you do not pay for a purchase in full on the first month. {$2.00} is the minimum interest fee. " That is a valid finance charge, so I would not be able to waive that fee. '' Therefore, for everyone that pays a financed purchase in increments, after payment-in-full, {$2.00} will automatically be assessed, even after achieving a XXXX Balance. For every consumer that does not pay off the entirety of their initial purchase on the card the first month, when they do pay the balance to zero, the bank will still assess a {$2.00} fee at the end for the privilege of financing at an already usurious 25.7400 % ( v ) APR! No one should have to pay {$2.00} interest on a zero balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 16 inquiries thats fraudulent on my report and needs to be removed.Ive contacted the bureaus equifac and transunion they are telling me to contact the lenders and I dont even know these lenders And also I have sent several dispute letter when it comes to the collection accounts thats on my report they all unauthorized as well and needs to be removed from my report
Product: Mortgage

I received this letter in the mail that my property taxes are due and I haven't paid them the property taxes are due in the month of XXXX it is currently XX/XX/2024 going on I have plenty of time to pay for my coming property taxes. 

I'm current on my property taxes, please see attached I need to know why you have sent me this letter
Product: Checking or savings account

On XX/XX/XXXX a XXXX. I received a message from my bank saying that there was a problem with my account and to please call XXXX ( Netspend ). I did this, but when I was ran through the phone matrix and type in my account number, they said that a card with that number did not exist, and immediately tried to login to my online access. My password and code did not work. Ive tried to call these folks several times, and they always drop my calls. I've talked to countless people and they are railroading me. It's as if I do not have an account. My email, my social security number are not on file, and they have wiped my account clean. I'm not sure if someone hacked my account stole my money, and changed all the information, but the banks customer service is not helping resolve the situation. I really need someone's help, there is no way I'm the only one having this issue. It feels like a foreign criminal organization is up too something. Please help. This bank stole all my money XXXX. This specific transaction, was electronic transfer from my bank to another bank ( both banks are owned by the same company ). I do not have a specific time but on XX/XX/XXXX a transaction was made in the amount of XXXX to a account ending in XXXX ( this information was given to me from customer service ). This transfer was not me but was all my money. I keep calling customer service and they either hang up, or they just run me around. They keep saying they are sending me a link to change my password but it never shows up. I've verified all my information with their representatives but the email never shows. The automated call matrix doesn't recognize my account number or social security number, the customer service acts like they are verifying my information but it's like they are not really sending me an email. Something is not right, I'm confused as to what to do.
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 XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were defrauded by Wells Fargo. When I called in to get a loan modification I was lied to. The home mortgage preservation representative directly lied to me in an attempt to disqualify us from being able to apply or qualify for a loan modification. He told me that we could only get a modification if we were delinquent on our mortgage. We had never been late at the time of the call. He also said we could intentionally miss a payment. About one year later when we could no longer pay we missed a payment. When we tried to get a modification with a lower interest we were told we didnt qualify because we had missed a payment in the past 12 months. We did however qualify for a 40 year loan at the same rate 6.25 APR. Even though we had been paying what they told us to during the modification they put our home in foreclosure just before giving us the bad news on lowering our rate. We were jerked around and transferred to 5 different loan preservation representatives. One year later we tried again to lower the rate and were told we had been late again even though we had not, and the credit bureau showed no late payment. Then they put our home into foreclosure while we appealed. When they denied our appeal we could not afford to catch up the payments so they sold our home at action. I tried to get an extension on the foreclosure because we could not get a fair price due to covid but once again we received no help from Wells Fargo. We had to fire sale our home in XX/XX/2020 to pay off the mortgage. I want to know if there is anything you can do to help. By the way my wife is a XXXX and even though I told the Wells Fargo representative all of this but they could care less and offered no help even though we were in shut down due to covid.
Product: Debt collection

Never received anything from the debt collector. The right to dispute, who they were, amount owed, or nothing at all from them. We got the first phone from them end of last week and tried to call back that day but was already closed. Got another call Monday and called back and spoke to them. Found out that the info is wrong on the account. My fathers SSN is on the account and he is not connected to any of my stuff. I called the place that originally had the account to confirm that they have the right info and they do n't even have my SSN on my account so was not sent to creditor like that as they claim. And because I was never notified of they creditor or anything from them I have not made a payment bc I did n't even know they had the account until I just got a phone call. And so this whole time they have been reporting it to my dads credit which has hit his credit big time and he had excellent credit. They should t of reported anything bc I was never even notified for one and for 2 his XXXX should not be on the account, mine should be. We have tried to get them to remove his social and at first was told it ca n't be and then I talked to XXXX the supervisor who was very rude and said he can and it will take XXXX hours and they will report it to min but should n't be reported period bc I was n't ever notified of the debt or given a chance to dispute it. They received the account back in like XXXX XXXX and it 's XXXX XXXX now and this is the first I have heard of them ever. XXXX said " he will do what he wants when he wants and there is nothing I can do about it ''. I do n't appreciate the unprofessional communication especially from the supervisor. And they are not willing to correct the issue and work with us. So we are asking for your help to get this resolved. I have been paying on the account but bc it was n't paid off in 120 days it got sent to them but was never notified by them of it and who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB regarding the illegal practices XXXX, XXXX XXXX Equifax are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which XXXX failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XX/XX/2022 XXXX received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of 15 years. They must be held accountable. The same situation happened with XXXX XXXX Equifax in which they did not conduct a 30 day investigation. XXXX has failed to open a dispute and Equifax opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus Equifax, XXXX, & XXXX must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).
Product: Debt collection

Target is reporting a status of Charge Off to Experian which is incorrect. I have been attempting to resolve this issue for almost for years. This account was legally discharged through a bankruptcy, this account was never charged off.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : 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 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 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: Vehicle loan or lease

I went into auto nation during their preapproval promotion as I was preapproved through my bank. I had test driven a car with one of the salesman started doing the credit application and everything. Upon me doing the application, the sales team told me they moved my car that I was interested in to their sister property and if I wanted the car I would have needed to pay the transferring fee. They never let me know that the car was in the process or being processed to transfer. They later offered me a newer car with lesser miles. It wasnt the one that I wanted but the car was not ready. I started insurance on the day that I signed paperwork and I still didnt even have the car in my possession. I canceled my contract with them within the granite timeframe, and they said that they would be refunding me my down payment. I later received a denial letter from the dealership and not my money. This has affected my credit tremendously due to the hard inquiries.
Product: Debt collection

XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid XXXX over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from NCB Management. I really thought it was a scam, until I finaly contacted XXXX. I contacted NCB Management, and proceeded to make monthly payments, which began in XXXX XXXX. NCB Management, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being XXXX for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted NCB Management, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that XXXX is now reporting the same account as a new account for collections.
Product: Credit card or prepaid card

I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have a been a customer for 10+ years and have never have any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation.
Product: Debt collection

Afni is stating that I owe a debt in the amount of {$330.00}, the original creditor is  XXXX . I have repeatedly disputed this claim several times via mail for about a year, because this is not my debt and fraudulent activity with this account. I never signed a contract with Afni or  XXXX . I attempted in good faith to offer a pay for delete and never received a response from Afni. I would like this account immediately deleted from all my credit reports as I am not the owner of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect Accounts on my consumer report. I contacted the 3 Credit Bureaus about it and it was said that the information is correct and i should contact the Creditor. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.
Product: Checking or savings account

I opened a checking account with BB & T on XX/XX/19, followed the step which is two monthly direct deposit of {$100.00}. the fine print said to have two monthly direct deposit of {$100.00} within 75 days upon account opening a {$200.00} bonus will be deposited to the account after 75 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.
Product: Vehicle loan or lease

I am a cosigner on an auto loan with the 5th Third bank. I co-signed the loan in good faith and all auto payments are made on time and the account is up to date. Yet on a daily basis I receive calls from 5th Third Bank trying to collect money for unpaid auto loan balances which don't exist. I signed as a co-signer on a auto loan for my son-in-law and daughter who maintain the account in good standing. I have on a daily basis explained this to 5th Third Bank to no avail. It seems, short of changing my phone number, I'll not be able to stop this attempted false collection of debt without your help. I am harassed daily by the collections department of 5th Third Bank for collection of non-existent debt and yet when checking with the 5Th Third Bank Loan Department by my son-in-law everything is up to date, no overdue payments etc. The bank has threatened reposition of the vehicle if these non-existent overdue payments aren't brought up to date. How this bank can harass an up to date account in this manner I simply don't understand. I actually have little information on this account except I do have the account number which I can provide you if necessary. Any help you can give me in this matter will be greatly appreciated. I am simply tired of the daily harassment by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the agency multiple times most recently XX/XX/2023 regarding a Bankruptcy that has been reported to ask for it to be removed due to a letter received from the courts they do not report to the agencies. However, they have responded with this information remains but do not supply how they received the information or who provided it. Attached is a letter sent to the courts by me and their response. I am seeking this to be removed immediately as it is fraudulent that they are reporting it.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my ongoing concern and dissatisfaction with the persistent challenges I have encountered in correcting the late open account information associated with my profile. Despite multiple attempts to rectify this issue through various channels, I am disheartened to report that the problem remains unresolved. 

I initiated the process to address the late open account discrepancies by submitting formal requests through your online platform, contacting your customer service department, and visiting the branch in person. Regrettably, these attempts have not yielded the necessary corrections, and the inaccurate information continues to impact my financial standing. 

The delayed opening of these accounts has caused significant distress, affecting my financial stability and hindering my ability to engage in various financial transactions. Despite my persistence in following the prescribed procedures, the lack of resolution has left me frustrated and concerned about the long-term impact on my creditworthiness. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the reasons behind the delays in opening my accounts and a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this matter to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX  Balance Owed : {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Credit Card Services sent me a letter stating I owed them {$32000.00} for a card with the ending number XXXX ( the complete number is XXXX XXXX XXXX XXXX ) on XXXX XXXX. 

I called them and sent a letter asking for proof that this was my account and/or I had signed for this card. Their fraud division sent me a letter stating that they had investigated and " WE CONFIRMED YOU'RE RESPONSIBLE FOR THIS CREDIT CARD ACCOUNT '' without providing any documentation. 

I called again and they referred my to the branch location in the XXXXXXXX XXXX XXXXXXXX XXXX, AZ. When I called the branch I was informed they had no record of credit card information and suggested I call Credit Card Services which I did. They referred me to the Fraud Division but when I did they told me to call them branch. The old runaround. 

They have added this to my credit rating which makes me a bad credit risk and will do nothing to rectify this matter.
Product: Credit reporting

I contacted XXXX XXXX XXXX regarding a collection amount that showed up on my credit report showing I owe {$130.00} I spoke to XXXX in customer service on XXXX/XXXX/XXXX @ XXXX and she could not help me she transferred me over to XXXX XXXX XXXX collection department. I spoke to XXXX on XXXX/XXXX/XXXX @ XXXX and made me aware it was for service from XXXX XXXX. My issue with this is that the name on the account was originally on my sister 's name then it was transferred to me. I decided I no longer needed a landline so I cancelled the account but never received any bill regarding these charges until now. I am trying to purchase a home and it is affecting my credit score because this account was sent to a collection agency called AFNI , Inc . They could not prove to me that any letters were sent by XXXX XXXX XXXX and never received any letter from the collection agency AFNI, Inc. as well. If I do owe this amount of {$130.00} I do not have a problem paying it, but in all fairness this should be removed from all XXXX credit bureau companies. So I can move forward in purchasing a home for my family.
Product: Credit reporting or other personal consumer reports

I'm a victim of the XXXX XXXX breach and have these accounts fraudulent and need to have them removed immediately I filed a identity theft report with the government pertaining to these accounts that were resulting from the XXXX XXXX breach I have attached the accounts I'm disputing for removal the documents from my identity theft reports Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$98.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$790.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$300.00} Fraudulent Checking or XXXX Account XXXX or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : Total fraudulent amountXXXX {$840.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys DSNB is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.