23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A payoff payment was made to my Best Buy Account as of XX/XX/2023. Best Buy is claiming this payment was returned. I have supplied Checking Statements from XXXX - XX/XX/2023, which shows the payment was withdrawn from my account and never returned. Best Buy is stating the payment was returned in XXXX, yet my checking Statement for XXXX does not reflect this. I have requested documentation from Best Buy that would support that the payment was somehow returned or not made, yet they have not been able to furnish any documentation. They have harassed me, calling me every day, even on weekends to make a payment that I have already made. Which I understand they are not permitted to do. Yet they do not want to take the time to further investigate the mistake on their end. I do not owe the balance shown on the account as it has been paid since XXXX. I need my account updated to reflect a zero balance and my credit report updated accordingly. As they have sent inaccurate and misleading information to the credit bureau
Product: Mortgage

To Whom It May Concern : On XX/XX/XXXX I submitted a request for PMI removal on my home with my loan servicer at the time XXXX XXXX XXXX XXXX XXXX XXXX  ) after my submission I was informed that the my servicer was going to be changed. I called XXXX immediately upon receiving the letter, and was told that there would be no problem and to proceed as they had cashed my check for the broker price opinion to prove the loan to value ration was below the required threshold. The PMI was finally canceled on XX/XX/XXXX. However, the servicer had taken a payment for PMI and sent it to the PMI insurer on XX/XX/XXXX. This created a shortfall in my escrow account that I will now have to pay because my unused premium has not been returned to me as of XX/XX/XXXX. I spoke with XXXX on XXXX and was told it would take an additional XXXX days to get me my refund. It is my understanding that under the XXXX XXXX XXXX of XXXX they are required to provide my unused premiums back to me within XXXX days of cancellation of the PMI with a XXXX of XXXX days. This has not happened as well I am paying for XXXX and XXXX because of the delay in processing my request. XXXX has said several times that they were backed up but that is not my problem and I am out XXXX dollars for their delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , XXXX and TransUnion immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account 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 account without my written instructions
Product: Debt collection

This is a formal complaint against XXXX XXXX XXXX located in XXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has aseriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I am demanding written proof of me as the original creditor giving you consent to furnish this negative inquiries XXXX XXXX XXXX XXXX XXXXXXXX, XXXX dated back to XXXX and XXXX on my credit report without my consent and refusal to remove this inquiries is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692 e.
Product: Mortgage

In summer XXXX, I contacted my home mortgage servicer, PHH Mortgage regarding my severe financial hardship and was placed on a forbearance program for 3 months that commenced on XX/XX/XXXX. This plan was good for 3 month and was placed on another forbearance thereafter for another 3 months. Upon completion of this 2nd forbearance, I endeavored to commenced the payment, but fell short within couple of months due to XXXX impact and I immediately contacted PHH Mortgage and was placed on another forbearance plan for another 3 months. At this junction, I have not paid my home mortgage loan for more than 10 months and was advised by my relationship manager that the delinquent amount will be place on the back of the loan without interest ( see attached Notification of Payment Deferral from PHH Mortgage ) at the conclusion of the forbearance plan. So, at the end of this forbearance, I have not paid my home mortgage for the 9 months of forbearance plus the couple of months that it took before the forbearance were finalized for a possible total of 11 months minimum. At the completion of the 3rd forbearance, I was advised by my relationship manager that the delinquent amount was no longer going to be set aside to the loan maturity, but rather, I will need to pay the lump sum asap. This has been since XX/XX/XXXX and for all these months, I have been trying vigorously to have the delinquent amount set aside or have the amount set up as a repayment plan for a minimum of 48 months due to my financial circumstances. I have made numerous attempts and still making attempts to reach my relationship manager, but all these attempts has been in vain. Every time I called, Im told to make an appointment to speak to the relationship manager, and these appointments are only once per month and whenever he fails to call me ( just last the last appointment in XXXX ), that will mean another month of non-payment of my home mortgage and it keep piling up and pushing me deeper and deeper into this delinquency. I need this delinquent amount to either be set aside until the loan maturity or the delinquent amount be placed on a repayment plan of a minimum of 48 months ( {$25000.00} / 48 months = {$530.00} per month ) and adding this amount to my regular PITI of {$2800.00} will be {$3300.00} per month. This amount I can 100 % guaranty to pay without any further default.
Product: Checking or savings account

On XX/XX/2021, the IRS sent my economic stimulus payment to an account that I closed at PNC bank. They never sent it back to the IRS but instead sent it to another account that is open that I dont use, knowing that it will never clear because it was not sent to that account from the beginning. Spoke with a lady XX/XX/2021 on the phone who couldnt tell me why it was still there trying to be deposited into an account it wasnt intended for. She tells me it hasnt posted yet ... I said its not going to post because its not the right account. Just a mess. Now, I have been sitting in my car at this PNC on XXXX XXXX. since XXXX waiting for someone to tell me why? Its XXXX and still no answer. Its XXXX and I am leaving with my money. No explanation as to why it was there in the first place. Lady was really nice though and thanked me for being patience with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a person submitted an application for credit using my information at XXXX. The fraudsters application was approved. I notified XXXX that its fraud but they cant do anything except freeze the credit line. I also notified Experian. Please help clear this up and get this person caught before they continue opening up more in my name!
Product: Checking or savings account

Navy federal is the bank I use and it would let me use my card without having any money on it and allow it to overdraft and would Charge a fee of XXXX $ everytime
Product: Credit reporting or other personal consumer reports

Ive submitted several complaints with CFPB to dispute the information reported on my Experian credit report. Experian has changed my possible loan status to settlement when the letters I previously submitted to the CFPB previous complaints stated that my balance was paid in full the amount being reported on my credit report is {$570.00} and the amount that I paid in full to XXXX XXXX collection agency on behalf of XXXX XXXX is {$570.00}. Why is Experian uncooperative with this dispute. Its not like I am not providing the proper documentation for my account to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

XXXXnstitution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Product: Credit reporting or other personal consumer reports

The credit reports that I have seen, all have different credit scores. Experian has items on my report that should not be on there or been on my report for years. I received a letter saying my information has been sold to a XXXX  party. They told me it would be an investigation but as you can see that didnt happen. To be honest I dont think they investigated anything. I feel like they dont send out all the information and the accounts that got deleted were added back. I also paid XXXX XXXX XXXX to fix my credit about XXXX  years ago, nothing was accomplish
Product: Credit card

I have maintained this account for more than 15 years and have consistently paid for a XXXX policy. Although the company approved my application, they only disbursed a partial payment that was credited to the account. Currently, my account appears on my credit report as closed and delinquent, with an outstanding balance. The third party company name is XXXX last correspondence was XXXX XXXX. 
Account closed on or about XXXX XXXX Estimated balance as XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove XXXX XXXXXXXX from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR XXXX MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH XXXX  FOR A YEA R
Product: Credit reporting

the information on my credit score is all over 7-10 years old i got hurt at work XX/XX/XXXX and tried to go back to work XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and my personal information has been compromised and misused by a XXXX dealership to secure an unauthorized loan for a XXXX XXXX XXXX in XXXX. The fraudulent actions include signing my name on a contract without my consent, resulting in a loan with triple the interest rate compared to what was initially agreed upon. 

Here are the specific details of the fraudulent activity : XXXX. Unauthorized Contract : I did not sign the loan contract for the XXXX XXXX XXXX. The dealership forged my signature and submitted it without my knowledge or consent, which is a violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, et seq.

2. Inflated Interest Rate : The fraudulent contract includes an interest rate that is triple the rate I had agreed to initially. This inflated rate was not disclosed to me and was never authorized by me, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 
XXXX. Dealership Misconduct : The XXXX dealership in question pushed through this unauthorized contract despite my clear instructions and without my involvement. This constitutes a blatant act of identity theft, as defined by the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

Enclosed with this letter, you will find : A copy of my identity theft report filed with the local police department. 
Documentation of the unauthorized loan contract and the original contract terms that I had agreed to. 
My personal identification documents for verification. 

I kindly request that the credit bureau takes the following actions : 1. Immediate Removal : Remove the fraudulent loan entry related to the XXXX XXXX XXXX from my credit report, as required by the FCRA. 
XXXX. Investigation : Conduct a thorough investigation into this matter to ensure that no other fraudulent activities are impacting my credit report, in accordance with 15 U.S.C. 1681i.

3. Notification : Notify me promptly of the actions taken to correct my credit report and provide confirmation of the removal of the fraudulent entry, as mandated by the FCRA.

This fraudulent activity has significantly affected my credit score and financial standing, and I am seeking your prompt attention to rectify this issue. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to restore the accuracy of my credit report.

Thank you for your cooperation and assistance in resolving this matter. Please contact me if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

sent the following correspondence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV. XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX. XXXX RE : REINVESTIGATION OF PROFILE 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. 
Personal Information # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX of XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Personal Information : # XXXX # XXXX # XXXX # XXXX # XXXX Also Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction. 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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.

Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank you XXXX XXXX XXXX
Product: Mortgage

Good morning. 

I'm a XXXX yr old widow. I'm facing a situation that is making me XXXX XXXX and I'm XXXX imagining that I may be homeless. In XXXX, I was assigned to a case XXXX from XXXX. Since XXXX I have been working closely with Chase and XXXX. There has been XXXX sale dates canceled because we are working on my case. 
First, Chase Bank had to give XXXX a reinstatement letter for XXXX which is what they fund. Chase provided me with a reinstatement letter for XXXX that was owed in XXXX, Which XXXX are in fees. I was left with no choice then to file a XXXX XXXX Report complaint. Chase response was stating that they will waive or remove the fees under the circumstances that XXXX sends them a letter stating I have applied for XXXX. I had XXXX sale dates which have been canceled since we are working with XXXX. On XX/XX/2022, I was told to send Chase a modification application. It was sent that same day to Chase. I was under the impression that finally I was resolving this issue. On XXXX XXXX, Chase sent me a letter with my options which were Short Sale and issued a SALE date for XXXX XXXX. They mention I did not have time to complete the modification program. I have been back and forth with Chase since XX/XX/2022 there has been more then enough time. I have the help from XXXX and Chase is making any reason not to accept the payment. This is something that needs to be heard. Chase should accept the payment from the XXXX the very main reason its been issued. They need to reinstate my loan with the XXXX as they said in written. They said once XXXX sends them a notice that I have a application with XXXX they would remove or waive fees. They need to reevaluate the actions they are taking as they are not correct. They are not doing as they said now time has past and they dont help. I have XXXX XXXX XXXX and I'm XXXX this is taking a big impact on my health. I live at the house with my XXXX teenage grandchildren both full time students. If I lose my house I will be homeless with my XXXX teenage grandchildren. This is devastating and I feel hopeless. Please help. I will greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to apply for a vehicle and they stated they would only be allowing one bank to pull my credit report. However there were over XXXX hard inquiries. Some from the same bank twice or three and four times. Such as : XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX XXXX XXXX  Update to never late XXXXXXXX XXXX XXXX XXXXXXXX Update to never late XXXX XXXX XXXX XXXXXXXX Update to never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have encountered several issues with XXXX bank 's handling of disputes, which have been consistently unsatisfactory. For example : XXXX. I filed a dispute regarding receiving the wrong XXXX printer with missing parts, but the bank took no action to resolve it. 
XXXX. I disputed receiving defective batteries from XXXX. XXXX instructed me to keep the batteries and credited my account, but again, the bank failed to address the issue. 
XXXX. I also filed a dispute about receiving a purse that did not match the product description. XXXX supervisor told me to keep or discard the item and still charged my account. Despite disputing this charge, the bank did nothing. 

It seems the bank is unwilling to perform its duties unless pressured, and I frequently have to follow up because they often input information incorrectly. This lack of efficiency and accountability is extremely frustrating and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a inquiry notictification for on XX/XX/2021 for XXXX 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my Experian credit report.
Product: Credit card or prepaid card

I could not apply online. I have had XXXX in the past -- no help logging in
Product: Credit card

I book hotel reservation on XXXX. On name your price after I disputed with about the location and star level got no where so I filed a dispute with my credit card company. The next day price canceled my reservation with hotel. So I called check XXXX my reservation was cancel on XXXX/XXXX/15 for {$2900.00}. So I booked a new reservation after they cancel the first one. That also with XXXX {$3100.00} now they say I no refundable yet they cancel the hotel and keeping my money. What can I do now.