23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with XXXX XXXX. In XX/XX/XXXX during the COVID-19 pandemic, my vehicle was stolen and it took five months to recover the vehicle. Due to COVID-19, XXXXXXXX XXXXXXXX services agreed to defer my payments for two months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later XXXX XXXX reported a {$6100.00} debt to all credit bureaus. XXXX is still claiming that I have this vehicle and requesting payments for the lease to the credit brueas. I have been trying to remove this debt with all three credit brueas for almost a year due to incorrect information that XXXX XXXX XXXX is claiming. I submitted documentation when submitting the disputes, which is an official balance letter with XXXX balance that was sent to me via mail by XXXX and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.
Product: Checking or savings account

I have 3 accounts with M & T bank. They recently put a hold on all of them. They suspected fraud when I sent a certain amounts of money. I called and told them it was not fraud and to cancel the dispute/investigation process. They refused and said they are closing all my accounts and that I am restricted from accessing my own funds. I cant even go to the bank and take money out. Shouldnt have to wait until that is over, if my accounts are closing regardless then they need to let me just get my money now then. Im a single mom, have XXXX children to take care of currently homeless in a shelter and no income. Its ridiculous why I am still waiting. I just want access to get my phones take out my money and go elsewhere while they investigate whatever they need to and close that account. The account needs to be at XXXX balance anyway for it to be closed so they just keep giving me the runaround about my money and refusing to let me just go to the branch and take all my money out!.
Product: Mortgage

Aurora Loan Services has ruined my life. I have never been able to recover financially after they foreclosed on my property. Like many Americans, I lost my job in XX/XX/XXXX and had no income coming in. I tried working out many options with Aurora Loans. However their reps told me that I would never qualify for any of their programs because I had no job. They advised that I enroll in their forbearance program in order to give me time to get a job and keep my house. I was unaware that the money I was going to pay was not being applied to my interest only mortgage. One a representative told me that they were holding my money I backed out of the account. They were setting me up for foreclosure and not applying any of my money. They began charging a Preservation Fee and various other bogus fees were added. They called me non stop. One representative told me that if I was in Bankruptcy that they could n't foreclose. So I lowed their advise, I filed Bankruptcy just to prevent a foreclosure. As soon as the BK was discharged they demanded money and began foreclosure. They would never tell me where money was applied or how it was held. I filed a complaint with the XXXX in XX/XX/XXXX because I did n't know what to do. That did n't help. I plan to provide documentation to show their unfair collection practices and how they did not apply my money when it was sent in. I have XXXX different Account History printouts from the with the same dates and they do not match. Aurora Loan Services set me up and took my all money. Once I paid them their demands, all money was applied to interest. I will provide a copy of the check I sent and you will see that it does n't even show on my account history. I want some justice. I have been done wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX, TransUnion, and XXXX because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.
Product: Credit card or prepaid card

Lowes Deck Install Purchase - XX/XX/XXXX Goods delivery date - XX/XX/XXXX - actual date XX/XX/XXXX Job completion date - XX/XX/XXXX - not completed purchase price XXXX credit loan XXXX Three payments done for credit loan for services not rendered. 

I'm currently dealing with Lowes and it has been the worst interaction with a company I have ever had. I purchase a deck install in XX/XX/XXXX, still not done and its almost XXXX. Nobody I've talked to, regional reps or regular reps, can give me a schedule of when this 5x8 deck will be done. After calling and forcibly being put on the line with the sub-contractor ( who does not return my calls ), I find out that the inspection that happened two weeks prior failed. None of the reps who I talked prior to this call could provide this detail. It failed due to water being in the un-covered footer holes that needed to be inspected. Sub-contractor told me for the second time that the job will  be finished XX/XX/XXXX after telling me it would be done on XXXX. Well it's going to rain for the next 3 days, I don't see any covers on the holes, so it's going to fail inspection again. I've called up and left messages with the one rep  and two 'managing reps XX/XX/XXXX, hopefully they will get back to me. But its been five months, I have no real hope.

My first gripe with all this is that I've already taken a XXXX credit line from Lowes and I'm already paying installments on it ( x3 ), but I've yet to see anything actually be built, if this isn't credit fraud I don't know what is. And clearly if I choose not to pay for the credit line, I take the hit and XXXX  my credit score. 
My second gripe is that for months I didnt hear anything, nothing was delivered. But as soon as I asked for a new contractor or my money back, all the materials magically showed up. Now they are all just sitting here getting rained on. I live in the city, I have no fence to my back yard, its a miracle that the products/timber havent walked. And its not like Lowes will reimburse me for things that get stolen, because in their eyes, theyve delivered the product. 
This project was supposed to be done on XXXX. Its XX/XX/XXXX. 
I will proselytize to anyone and everyone about Lowes terrible business practices and horrendous customer service.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card was closed without any notice or any letter to explain the reason why from Citibank. My account was then sent to collection on XX/XX/XXXX. I have no outstanding due, have regularly paid my monthly balance in full since opening the account in mid XXXX. I contacted Citi and was sent directly to Collection to discuss payment which I paid on the next day even though there was not any outstanding balance past due. I was being told that is how Citibank business policy every time Citibank receives letter from debt collection agency. I have never worked with any debt collection agencies in my entire life. My credit score is perfect. I have reported alerts to the three credit agencies to protect my credits. I also have reported to a local police department for identity theft.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I went to XXXX XXXX  in the XXXX XXXX to use my Direct Express Master Card and was going to withdraw {$360.00} out of the drive up cash machine. The bank wanted a {$4.00} service charge so I cancelled the transaction and never got the {$360.00} cash out of the machine. Only 9 minutes later I went to XXXX  XXXX XXXX  and withdrew the {$360.00} out to pay my part of the rent with. On the XXXX of XXXX I had a reversal debit charge of {$360.00} and I filed a dispute with Direct Express and they sent me a final determination paper telling me there was no error made. So I called back the dispute dept. the same day I got the final determination paper back and they tried to tell me that I received the first {$360.00} out of the machine and I did not. I have called them and spent hours on end on hold with them fighting this dispute and they said I may request a copy of the documents with were used in determining the final outcome on my paperwork but every time I ask for the documents they say they mailed them to me and I never get them. I have been on hold with them on this number XXXX over 800 minutes in 2 months time. I only get {$510.00} a month SSI so there was no way I could have got two {$360.00} transactions within 10 minutes. I never have that much money in the bank. Direct Express has over 1000 complaints with the XXXX  and other places about missing money, bad customer service etc. I wanted to file another dispute on XXXX but after contacting them, they said they have made the final determination and no error occurred on my account and the case was closed and I can not file another dispute. My Dispute Tracking ID # is XXXX
Product: Checking or savings account

y : USA Description of complaint : On XX/XX/year>, I contacted Navy Federal regarding a transfer in the amount of XXXX on my account. The transfer was sent to another NFCU member. Navy Federal informed me that someone filed a fraud complaint on my account, in turn, NFCU gave me a provisional credit for {$2900.00}. I informed NFCU that I did NOT file a fraud complaint and I didnt not request a provisional credit. I informed NFCU that my relative logged into my account and completed a Navy Federal Credit Union XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX assigned to your complaint : XXXX serving XXXX Washington DC XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX XXXX ( XXXX ) XXXX fraudulent claim without my permission. Navy Federal fraudulent claim without my permission. Navy Federal insured me that they would investigate the claim thoroughly. However, that did not happen. Within 72 hours, NFCU denied the claim without explanation. Two days later, I logged into my NFCU account and it was negative {$3000.00}! I called NFCU and they said that the provisional credit was reversed since I didnt not file the complaint. However, NFCU did NOT investigate who filed the fraudulent complaint, or the Memeber that the provisional credit was sent to. NFCU stole my incoming deposits to cover the {$3000.00} negative balance and I want a full return! If a customer is scammed, it is Navy Federals job to INVESTIGATE, not steal money from its customers to cover scammed accounts! I am also filing a complaint at the federal level. I am a Veteran and a homeowner. And due to Navy Federals negligence, I am facing eviction because they stole my money and refused to investigate a crime completed on my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am co-borrower on my daughter 's auto lease with Toyota Financial Services. My daughter was late on a payment. When I was contacted I made immediate payment to bring the account current. Toyota Financial Services reported to my record, a late payment. It is my understanding that as co-borrower, that if I am contacted and bring the account current, a late payment should not be reported to my credit record.
Product: Credit reporting

I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.
Product: Consumer Loan

XXXX  from  Zingo Cash c onstantly calls me at work. I can not accept personal calls at work.
Product: Mortgage

I have submitted my mortgage payment for XX/XX/2020 twice to the mortgage lender, Carrington Mortgage LLC for VA XXXX XXXX, and twice, the lender rejected the payment. The second payment was a teller check sent via XXXX, tracking XXXX. XXXX. Carrington rejected the payment and sent it back via regular mail without any form of tracking on XXXX XX/XX/2020 to XXXX. As of today, XXXX has confirmed that they have not received the returned check. XXXX can not cancel the check until after 90 days from date of issuance. Carrington now has notified me of an intent to foreclose my property despite my attempts to pay my mortgage. They are demanding a payment that I have already made twice and can not issue another check since the returned check is not in the possession of XXXX or myself. I spoke to the VA and was advised to file a payment complain here.
Product: Debt collection

This is pertaining to a debt that is not mine for the company XXXX XXXX for the amount of {$40.00}, they sent it to the Credit Management L.P. collections agency and the agency is now reporting I owe them a total of {$70.00} for the original amount plus fees. The start of the story : XX/XX/2023 : I called XXXX XXXX multiple times in XX/XX/2023 as we were moving to another state. I called before we moved out and AFTER we moved out to confirm our bill was settled. We moved out of WI in XX/XX/2023. I wanted to make sure our account balance was paid in full after we moved out. I was told by XXXX XXXX on the phone not only was it paid in full but, they had closed my account since it was paid in full and we had moved and were no longer customers. Then I got an email saying we had a balance ( after I had called and was told it was a zero balance and the account was closed ). I tried to log in online but, my login info didn't work since they had already closed out our account. I called XXXX XXXX later again in XXXX, and again, the person on the phone told me we had paid in full and the account was closed. I never received a zero balance confirmation after paying in full at the end of our lease term. They closed our account so I could no longer go into the online account to print off a zero balance. The company never called me. Next, they sent a bill to collections. They never called me about this. If there is a new bill for the address where we lived it should go to the landlord. I called the collections company Credit Management L.P. to dispute the charges. They had me fill out an online form. I never heard back from anyone and I am very concerned as these are not our charges.
Product: Mortgage

Case number : XXXX recently submitted a complaint about Bank of America in regard to my mortgage loan. I received a phone call from Bank of America when I was at work and when I was explaining to the lady that she can call me after XXXX EST, she said her office hours were until XXXX, pacific time, and that she could not call me and started threaten me to take some exaction. I interrupted her to explain my situation, but she hung up the phone on me before I finished explaining. As far as I know, she could call me when I was at home because she would still be working when I get back home. I ca n't provide security information on the phone form my job because I do n't have a private office. In less than a week I have received XXXX letters concerning the foreclosure issue, which in my dictionary that constitute harassment. 

I still receiving letters every day about foreclosure when my account is up to date. I just posted my current month payment from my bank because I ca n't even access my Bank of America account online to see any information at all. 

Then bank has closed any accessibility I have to my mortgage and is harassing me, and threatening me of losing my house which I am not going to take lightly. I ask this agency to please help me regain my peace of mind, taking care of this nasty corporation that does not help clients at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently Checking my Transunion Credit Report I noticed Couple Inquiries that I Didn't Recognize So I contacted transunion To inform them about unauthorized inquiries the agent recommended that I put a fraud alert on my credit which I did but he told me I had to contact the companies who are reporting the inquiries and get a deletion letter from each company which I tried to but I keep getting put on hold or the phone keeps on getting disconnected one company told me they never heard of the letter I'm requesting so at this point I'm reaching out to you guys because I don't know what else to do I work very hard to get my credit where it is and this is not fair can someone please help me
Product: Credit reporting

We have cleared all accounts with XXXX XXXX and received satisfactory report from creditor, then we have been requesting XXXX and Experian to remove the unverified collection from my report they have not done and we did not get any more respond from them since XX/XX/2015
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( Payfare ) has made a false transaction of {$450.00} from my account on XX/XX/2024 stating XXXX XXXX has debited the money. Ive called both. XXXX has shown me my transactions for the month of XXXX and there isnt any duplicate transactions of {$450.00} listed. Neither does the money shown withdrawn from XXXX XXXX statements. 3 of 5 times I reached out to support I was met with hostility and had the call ended by the representative. The transaction now shows as posted and they have stated Im not able to dispute this charge. Please help me rectify this situation as I have no other options or ways of getting to the bottom of this
Product: Credit reporting

This debt has already been previously removed, but has been reinserted on my credit report with a new opened date and under another creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquire on my credit report on XX/XX/2022, I contacted the company that performed said inquiries and they stated they did it to find out where currently lived. I told them that they did not have my permission to run my credit and they stated they did not need it
Product: Checking or savings account

TD Bank has inconsistently responded to an electronic check return complaint by claiming 1 ) It was a bank processing error ( see letter dated X/XX/17 ), and 2 ) It was returned due to payment requested had a difference amount than listed for payment ( see emails dated X/XX/17 ). <P/>TD Bank offered a letter of apology and {$330.00}. In discussion with bank customer care analyst on or around X/XX/17 it was cited the monetary offer was insufficient, but later in a letter dated X/XX/17, I stated I was willing to accept whatever the Bank was willing to offer. <P/>The Bank has responded to this complaint inconsistently and in part inaccurately. TD Bank has not provided a reasonably expected level of care regarding accurate, timely, and transparent communications. This lack of care and the bank errors and omissions has caused me financial hardship which the Bank is solely responsible to resolve.
Product: Credit card or prepaid card

I have a Chime Debt Card. XX/XX/2020 someone Cloned my Chime Card, Chime refused to Investigate. I cancelled my card & a new one was sent. XX/XX/XXXX I used my card at XXXX for a XXXX purchase. XX/XX/XXXX Chime tried to take XXXX Cents from my card called chime 4 times to fix the problem Horrible, Horrible, horrible Customer Service Agents no one can seem to fix the problem the agents are rude liars won't transfer me to a supervisor/manager keeps blaming XXXX I have talked to XXXX 4 times they have no record of them trying to deduct XXXX cent off my card for 6 days straight at XXXX every day I sent a message to chime bot after 4 days no one ever responded. XXXX owns Chime Bank. I need Chime to stop trying to fraudulent take XXXX Cents off my card every day at XXXX. Thank you.