23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have my car financed thro ugh Ally Financial.  Since  XXXX  of  XXXX  I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the  XXXX  of every month, and this month, on the  XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30  minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is  XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. Please help me.
Product: Debt collection

Received a call from an " Unknown '' caller, which they said was being recorded, regarding a debt that they will not verify until I provide my birth date and last XXXX digits of my social security. I said I would not provide sensitive information prior to understanding where the debt came from, as I have not received any prior notice to owing anyone anything. I asked to speak to a manager and was sent to a voice mail that did not list anyone 's name or number.
Product: Credit card or prepaid card

On XX/XX/2017 I made a purchase at the XXXX XXXX XXXX convenience store. I purchased a few candy bars and a book. I watched the items being rung up at the POS terminal and saw that the amount was XXXX pesos, which I have the receipt for. When the sales person entered the amount on the credit card terminal I signed the pad and walked away with my receipt from the store. When we received our Chase statement in the mail we realized that although the charge on the register was XXXX pesos, our credit card was charged XXXX pesos. We contacted the credit card company and filed a dispute. The shop in XXXX provided my signed copy of the credit card receipt but not my itemized receipt. Chase has sided with the merchant whose business is now closed. They are unwilling to acknowledge in anyway that the merchant keyed in the amount incorrectly, and possibly fraudulently. Chase is telling me that the only recourse I have is to reopen the dispute. They are very unwilling to resolve the problem or listen to me. I feel that the merchant is being protected and I have no rights or recourse with Chase bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Product: Mortgage

I received a direct mail piece  from Quicken st ating I might be able to refinance my mortgage for a rate as low as 3.625 %. I know my credit is quite good, so I applied, fully expecting to receive the advertised rate.  <P/> Upon applying, I was told that I must sign an " intent to proceed '' form before they would give me an estimate showing closing costs and rate. I read the document and saw nothing that said I could not back out after viewing the documents, so I signed and looked at the documents. They also charged my credit card {$500.00}, to be refunded upon closing.  <P/> I looked at the documents and saw that the rate they gave me was 4.25 %. I asked why the rate was so much higher than the advertised rate. I was told that I could buy down my rate with origination points, except that in Texas, closing costs were capped at 3 %, so even with A+ credit, there was NO WAY that I could get the advertised rate of 3.625 %. They should n't advertise the rate in Texas if it 's unobtainable.  <P/> At that point, I decided that I did not want to proceed and I wanted to withdraw my loan application. They said had to be notified in writing. I notified them in writing within  1 business day. Multiple phone calls and written correspondences later, YES, I STILL WANT TO WITHDRAW MY APPLICATION. They drew it out over two weeks. Finally they agree and say they will withdraw my app.  The next day, I receive a letter that THEY have denied my application because I could n't provide the necessary paperwork.  <P/> Oh, but they still charged my credit card {$500.00}. For what? No appraisal, no paperwork, nothing was done because as soon as I saw the rate I immediately STOPPED the process. After 24 days they finally refunded the {$500 .00}, MINUS {$27.00 } - a credit report fee! They charged me to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX # XXXX Certified Mail # XXXX XXXX, Arizona XXXX XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XX/XX/2022 Re : Unauthorized Hard Inquiries Dear Experian : The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report on experian.com and discovered some inquiries that I have no knowledge of. 
Because I did not apply for credit with ( XXXX XXXX XXXX, CERTIFIED CREDIT REPORT, XXXX XXXX XXXX and US SMALL BUS ADMIN ), I have also reached out asking that they remove the inquiry from my credit profile.
Product: Mortgage

My name is  XXXX   XXXX . My wife and I was approved for a {$150000.00} FHA Mortgage  Loan from Quicken Loans. The Purchase Mortgage Banker name  is  XXXX   XXXX .  XXXX   XXXX  called me daily asking me have we found a house that we wanted to bid on. We exchanged numerous emails and phone conversations with  XXXX  giving me house hunting information. I have a copy of the Preapproval letter in my possesion as I 'm typing this complaint. The preapproval letter has an expiration date of  XXXX   XXXX ,   XXXX  . When my wife and I decided on a house that we wanted to purchase, I called  XXXX  like he told me to and he told me that he was going to adjust the preapproval letter to the purchase price of the house which was {$140000.00} and that he would contact me when he was finished so I could copy it from my email and give it to the Real Estate Agent.  XXXX  calls me  45 mi nutes later and tells me that the loan fell through, because of the yearly income. If that 's the case then I was lied to. I was told that this just happen. That 's   XXXX   XXXX   because he had many opportunities to say this to me in the beginning process. Can someone please call me at  XXXX . Thanks
Product: Credit card or prepaid card

I had several unauthorized transactions on my account, and the Bank wont have a supervisor call me to discuss this matter. I have made several requests over the past 2 months and did not get any call backs. 

I did receive a letter from a XXXX XXXX with a phone number to call her directly, however that number goes right to voice mail, and calls are never returned. 

I am writing this for CFPB to have a manager in the fraud department or someone from the bank to call me at my number XXXX.
Product: Credit card or prepaid card

Citi XXXX will not protect the card holder I placed a dispute on XX/XX/2019 and XX/XX/2019 : in the amount of {$260.00} / XXXX XXXX XXXX XXXX XXXX XXXX : the veterinarian NEVER examined by dog, and based on a cough said my dog had XXXX XXXX : Put her on seven different medications. My dog became XXXX  and did not eat for four days. 

I took her to another veterinarian, and was advised if I did not stop the medication I would kill my dog because she does not have XXXX XXXX nor is XXXX XXXX XXXX a XXXX. To diagnose XXXX XXXX there are test that need to be done : XXXX XXXX XXXX / XXXX XXXX body cavity and others : before doing theses test your dog has to have signs of XXXX XXXX with the following : XXXX XXXX XXXX, tiring on exercise / weight loss / XXXX XXXX, XXXX XXXX XXXX, XXXX discoloration of the XXXX and XXXX ; she none of these systems. 
XXXX XXXX XXXX took complete advance of me being worried about my dog and without sleep for 2weeks. What my dog had was bronchitis : When Citi XXXX dined my first dispute, I resubmitted it the dispute and requested they asked XXXX XXXX XXXX to provide testing for diagnose XXXX XXXX. Citi Costco refuses to request for it and said I should provide it. 

I then wrote to XXXX : they assigned by case to XXXX XXXX. 
This man had the audacity to give me advise, I did not know he was a therapist. 
He then says there not detectives and would not ask for proof of testing, I should provide from the other doctors in their letter head that she does not have XXXX XXXX. 

They want to further inconvenience the card holder and add me stress they I have had to get all these documents. When all they should do is ask XXXX XXXX XXXX for proof of testing. 

I have been a loyal customer and a good one, I can not say the same for Citi Costco : I want everyone to know that they will NOT protect you in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX XXXX which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Product: Debt collection

I made an on-line purchase, a washer/dryer set, on XX/XX/2021 in the amount of {$1500.00} from XXXX at XXXX via a newly opened XXXX credit card ( i.e., " Citi '' ). The installation was NEVER incompleted, parts are still missing, and I did not receive a warranty. I filed a complaint with CFPB ( i.e., see CFPB complaint # XXXX ) on dated XX/XX/2021. I received a response today, Thursday, XX/XX/2021 from CFPB. In the response from XXXX Credit Card they indicated a credit was issued on my account for {$1500.00}. Where is my refund check for {$1400.00}? The fact, is I requested a refund. I paid {$1400.00} in XX/XX/2021 before the payment due date of the {$1500.00}, leaving a balance of {$190.00}. On XX/XX/2021, XXXX Credit Card ( i.e. " Citi '' ) indicated by letter that they were processing a credit for {$1500.00} and would reverse of interest, finance charges, late payments accrued during the billing dispute. However, I continued to receive collection calls, e-mails, invoices, even after their letter dated XX/XX/2021. I requested a cease and desist of all collection because I did not owe XXXX Credit Card any money and their letter dated XX/XX/2021 indicates it, although, XXXX Credit Card continued to pursue me for a debt that I did not owe. I requested XXXX Credit Card to repair my credit reports, as well as, close my XXXX Credit Card ( i.e., " Citi '' ). I do not intend to make purchases from XXXX? I want them to close my account and issue my {$1400.00} refund check by XXXX XXXX. on Thursday, XX/XX/2021! Where is my refund check {$1400.00} from XXXX Credit Card ( i.e., " Citi '' )? There was NEVER a {$1500.00} credit applied and/or issued to me! If a credit was applied for {$1500.00}, where is my refund check for {$1400.00}? I believe, XXXX Credit Card ( i.e. " Citi '' ) is committing fraud. I want my refund check by XXXX XXXX. ( CT ) on Thursday, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY
Product: Mortgage

We have a buyer for a short sale at market value and XXXX banks, Astoria Bank and XXXX ready to give approval-as long as the other banks sends their written approval first! 
We are at a standstill for months, with the seller facing foreclosure-because both Astoria and XXXX are waiting for the other to send their short sale approval first!!! HeLP!!!!!!
Product: Debt collection

Halsted Financial Services keep calling my workplace to verify employment. I want a cease and desist letter for them to stop calling my workplace. I told them to stop calling my workplace but was told that they were going to stop. They even threaten me that they will sue employees at work if they do give them information. Their # is XXXX.
Product: Mortgage

Per the CARES ACT I am entitled to a 12-month forbearance on my XXXX XXXX owned loan which is serviced by Amerihome Mortgage. I have been granted an initial 6-month forbearance which is scheduled to expire on XX/XX/2020. I have requested an additional 6-month extension but this was denied by Amerihome. 

Instead of granting the extension, Amerihome has XXXX my access to certain parts of my account on their website and sent me this false statement saying i need to get the loan current immediately. I did not request to get the loan current just yet, i requested an extension. This servicer is intimidating me, they never pickup the phone when you call and they do not respond to mailed requests for information. See attached false statement/letter from Amerihome.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRIES, THEY SEEM TO BE FRAUDULENTLY DONE ON MY BEHALF. PLEASE REMOVE THEM FROM MY REPORT. INQUIRIES : 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 XXXXXX/XX/year> IDENTITY THEFY REPORT HAS ALSO BEEN ATTACHED.
Product: Debt collection

Complaint number XXXX has been closed but the lender Citibank has not provided any documents or dates when notice to cure was mailed. The bank has not provided any further information on these matters.
Product: Vehicle loan or lease

I request the ally financial the the detail but they got wrong personal info they didn't remove from my report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX  provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I received an email from XXXX. It had an attachment that look like lit was from the XXXX XXXX stating that I owe {$480.00} to renew. If I didnt want to renew they would give me credit back to my account. It had a number to call XXXX. I called the number because I didnt want to renew. I was directed to a gentleman that gave a website to go to so I could get the money refunded. Then he wanted me to go to my bank account to see if the money was refunded. I told him I paid my bill to the XXXX XXXX by automatic credit card and not by my bank He kept insisting I go to my bank. Then a XXXX post pop up. I dont have XXXX XXXX but I have the XXXX XXXX for Security . And then my screen went black and it said that it was upgrading my computer and dont shut it off, I immediately shut my computer off, I have looked at my bank account on my XXXX XXXX and there have been no transaction for the any payment or refund post on my accounts,.
Product: Credit reporting or other personal consumer reports

writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer report pursuant to federal and consumer compliance laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

Legal Basis for Request Fair Credit Reporting Act ( 15 U.S.C. 1681c ) : The inclusion of my employer information and full or partial SSN in consumer reports without my explicit consent is not required for creditworthiness assessment. The FCRA requires consumer reporting agencies to ensure that only accurate, necessary, and legally permissible information is reported.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Under the GLBA, non-public personal information ( NPI ), including employers data and SSNs, must be safeguarded and not shared without proper consent.

Data Privacy Compliance : Consumer reporting agencies must take reasonable measures to protect sensitive consumer information from unauthorized distribution and exposure. My employers and SSN information fall under protected data categories that require stringent compliance standards.

I also request the original Consumer Financial Privacy Policy Notice under the GLB ACT, Privacy ACT of 1974, I will like to see in writing where I have given consent to disclose employer and SSN information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with XXXX XXXX XXXX XXXX. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was zero and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX report for the first time to the three credit bureaus XXXX XXXX AND EXPERIAN a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.
Product: Vehicle loan or lease

I made a partial payment In XX/XX/XXXX for my XXXX XXXX XXXX car. My regular payments are {$570.00}. The payment I made to Suntrust was for XXXX XXXX XXXX dollars which was due on the XX/XX/XXXX day each month. The remaining amount for XX/XX/XXXX payment is XXXX plus XX/XX/XXXX payment. The firm allows 11 days grace period for paymets at which I have been using since I purchased the car.They sent me a text message today stating they are resposessing the car for XXXX late payment. They have also deleted my account on the mobile application which affords me to make payments. This is unfair practices to repossessed a car for XXXX due late payment and deleting my mobile account so I cant make payments.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} - XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, XXXX, Transunion ) XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX, ( XXXX, XXXX  ) ( XXXX, Transunion ) XXXX XXXX XXXX Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX Account # XXXX