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

Experian and TransUnion suffered a significant data breach when their systems were hacked, compromising sensitive consumer information. As a result, my personal data, including my name, Social Security number, and financial history, was exposed. This breach raises serious concerns about identity theft and may lead to lifelong issues with my credit rating and financial security. I am now facing the possibility of fraudulent accounts being opened in my name, which could take years to resolve and severely impact my ability to secure loans, credit cards, or even housing in the future.
Product: Vehicle loan or lease

In due of respect to Toyota Financial Services, I requested cancellation on GAP Insurance and Extended Maintenance cancellation First Extended Services and they don't want to cancel the extended service. 
I also sent various emails to XXXX XXXX XXXX in XXXX XXXX XXXX to respectfully cancel all options on auto loan and respectfully requested a lower affordable payment of around {$300.00} a month. 
Also requested a payment extension from XX/XX/XXXX till XX/XX/XXXX because of my Financial Hardship and Coronavirus Pandemic issues and family Hardships. 
Mr.XXXX  is the Manager and my auto loan originator. 
Mr.XXXX  XXXX email is XXXX contact number XXXX. 
Federal Government can archive all email contacts to Mr.XXXX  and Toyota Financial Services. 

My request is with Honor and Respect. 
A Federal Discrimination and Retaliation complaint was filed against Toyota Financial Services with ADA Department of Justice on XXXX XXXX # XXXX XXXX XXXX Act Violations. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX  Veteran. 
This is a Urgent Matters.
Product: Mortgage

Nationstar Mortgage has mis-applied my advance mortgage payments previously. They have done so again, and It is important to me that the funds are applied correctly, as I am retiring. I must check online both XXXX bank and Nationstar ( first and second Mortgages ), or they change the way they apply the extra funds. The agent from another country jhad so much background noise going on, and was unwilling or unable to correct the issue
Product: Checking or savings account

Someone was about to get in my savings account and deposit out multiple transactions in the amount of {$80.00} 16 times. I got in contact with chase bank and filed a claim and they denied me saying they could not find any evidence that my account being tampered with and then told me the transactions was made using my phone. I asked what do I need to do to get my money back they told me to file police report. I filed a police report and fax it to the claim team and they told me they never received it. I fax it over again and when they finally received it they denied it. I asked about sending my bank statements and they said they did not accept those. I asked the person well what I can do and that I was even at work when these transactions was made and he told me to get my clock in logs to show I was at work during the time. I finally got ahold of those from my job and sent them over and now they denied those saying that's not enough evidence to reopen my case.
Product: Credit reporting or other personal consumer reports

I received 3 alerts, all on XX/XX/year>, that someone tried to contact these banks on my behalf : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I had a Joint Auto Loan through CREDIT ACCEPTANCE CORP that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to Credit Acceptance in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with Credit Acceptance as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three Bureaus ( XXXX, XXXX, and XXXX ) to have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.
Product: Credit reporting or other personal consumer reports

I contacted this company KOVO, INC XX/XX/scrub> 2024 about this negative account there are reporting on my credit report. Asked for proof of verification of debt they never showed any proof!! then asked for them to remove it from my credit report they decided to report as paid for less. And know I have put this company on notice of demand and invoice for my rights being violated under the FCRA Act they continue to report and You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I issued a Letter of DIspute to Equifax, XXXX, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, Equifax had XXXX days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. 
Equifax did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. 
It is without a doubt that Equifax, XXXX, and XXXX are certain of these laws which they must abide by, however this case is a prime example of Equifax 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. 
I will attempt to yet again contact Equifax, XXXX, and XXXX via the XXXX in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that Equifax will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Transworld System Inc. acquired, furnished and listed an account on my consumer report falsely and inaccurately.I have never held an account with this company and they have attained my personal information and listed a fraudulent account without my consent. Ive requested all original documentation ( validation/verification ) of this debt with this company but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint.
Product: Credit card

About 6 years ago I called Capital one credit cards. I was having financial issues. Explained to them I needed help. Capital one helped me with the hardship program. I then gave them my routing number and checking account number. A payment of {$50.00} a month was taken from my account. I gave them permission to do that. The payment went out for years, timely, never late. Then on XXXX/XXXX/2015 I received a phone call from a debt collection agency. stating my payment was late. I looked into the matter. Capital one stopped taking payment on XXXX/XXXX/2015 with no notification and sent the account to collections. It was told to me by the collection agency that capital one did that because the account was n't going anywhere and they considered it a loss. I called Capital one to find out what was going on. They are looking into it. I have copies of all the payments. That where never late. Capital one decided to stop taking the payment and did not call me or mail me any communication. as of now the payment is 60 days late. Which I tried to pay but capital one wont take it. This was their decision to stop the payments not me. This is very wrong. My credit report will reflect this and is was n't my doing. Please help
Product: Credit reporting or other personal consumer reports

My daughter is the primary person on the account and I am the co-signer. During COVID, my daughter lost her job, and had a hard time getting payments on time. XXXX agreed to make payment arrangements and in many cases, the account was in a payment arrangement but per XXXX, they are not structured to note that payments were being made. Instead, it is showing the accounts past due. Last year, I finally got my daughter to trade the car and the car was paid in full. To this day, it's still showing in my credit report, even after I have asked XXXX to send the notification to the bureaus and this has been months, and still not resolve. I am trying my best to get my credit situated and I have disputed this matter many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them onXX/XX/XXXXand they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.
Product: Debt collection

On XX/XX/year> I ordered a washer and dryer from XXXX online. I paid using XXXX, which I have never used before. On XX/XX/XXXX, I canceled the order and bought another brand from XXXX XXXX, which delivered the next day. I called XXXX to confirm cancellation and was told they would try to cancel order asap. Was told no worries. 
My XXXX XXXX order was recd next day. Several days later I recd call from vendor that my machines from XXXX were arriving next day. I called vendor and XXXX explain mistake. Both told me no problem just refuse delivery which I did. A few months later I checked my bank acct and found withdrawal from XXXX for {$180.00}. I called XXXX  and XXXX but was told they would look into it. Then I found XXXX or XXXX more withdrawals and finally told my bank to stop payment on future withdrawals. I called to complain but got nowhere. Now theyve reported me to XXXX credit collection who I spoke to and they dropped case, told me to call XXXX and explain situation again., which I did. XXXX told me he forwarded my complaint to their support committee I never heard back from them. Instead, True Accord credit report agency is now trying to collect remaining XXXX they say I owe. Please help me recover the money they owe me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-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.
Product: Credit card

I made a fairly large airfare purchase from XXXX XXXX on my Citi XXXX XXXX XXXX. For whatever reason, XXXX XXXX is saying the original charge did not go through but the charge is pending on my Citi Credit Card. XXXX XXXX is stating Citi needs to release the pending transaction so I can submit the purchase again. 

When contacting Citi, they are refusing to remove the pending charge, even after 5 business days. They are saying it will take up to 30 days, which impacts the airfare rate at XXXX XXXX. 

I asked for a supervisor and asked for an exception to delete the pending charge or to dispute it, they refused both.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.
Product: Mortgage

Received letter from XXXX XXXX XX/XX/XXXX, letter explained on XXXX, servicing from XXXX XXXX XXXX be transferred to Selene Finance LP . Received letter from Selene Finance on XX/XX/XXXX, explaining transfer of my loan from XXXX XXXX on XX/XX/XXXX. I have been on a forbearance plan due to Covid for XXXX, XXXX, XX/XX/XXXX, I requested 3 more months, XXXX, XXXX, XX/XX/XXXX, it was approved. XX/XX/XXXX, I called XXXX XXXX and advised the day was last day with them to call Selene. Attempts Selene for one week every day, I want to start paying my mortgage starting XX/XX/XXXX, calls dropped. I called XXXX XXXX requesting assistance with Selene and they called transferred my call to Selene. XX/XX/XXXX spoke with XXXX, I advised her I need to make arrangements to pay my loan starting XX/XX/XXXX, she replied I do not have your Mortgage Loan file yet in the system so I cant help you, you need to call back in a few days. 
From XX/XX/XXXX XXXX XXXX to XX/XX/XXXX, Selene has no documents of my loan, bad servicing. Selene mortgage loan number is XXXX, Ms. XXXX advised that was my new loan no. Bottom line neither XXXX XXXX or Selene Finance cant help me to reinstate my loan from forbearance to a new mortgage payment, I am requesting to apply money from forbearance be applied to the end of my mortgage year. I want to start payments on XX/XX/XXXX. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency Can not Furnish an Account Without My Written Instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.
Product: Credit card

I never applied for a NFCU credit card. I noticed these inquiries on my account within a couple months of each other. I called NFCU and was told the inquires could not be removed. This is hindering me from getting approved for order Credit cards due to the amount of inquiries that were filed with this company without my knowledge.
Product: Credit card or prepaid card

Let me explain to you what happened to me on XX/XX/2021 : While on my computer, I received on my screen an urgent message ( with an accompanying phone number ) saying that my XXXX was compromised and in need of immediate attention. When I called that number, someone answered who proceeded to " help me fix the problem. '' This set into motion an elaborate process that through its various steps convinced me that the individuals I was dealing with were legitimate... I did ask them questions that they were able to answer believably. Ultimately, an individual who represented themselves as a Citi employee - who called from the number shown on the back of my Citi credit card- indicated that two significant purchases had been made on my credit card in XXXX, and that they could help me to stop what was going on, and walked me through what I needed to do in order to run a test. That person asked me to go to XXXX XXXX  and purchase five XXXX gift cards @ {$500.00} apiece, saying that the help would come through XXXX and that the money would be refunded in 3 days. I purchased the cards and gave the person the numbers on the cards, thereby allowing the scammer to use my money. So, the total amount of their scam totaled {$2500.00}. Feeling increasingly suspicious about this step of the process, I contacted my son in MA who confirmed that I'd been deceived. We immediately notified Citi Cards, canceled this credit card number, and requested a new credit card. THE WOMAN I TALKED TO AT CITI ( WITH MY SON ON THE LINE WITH THE CITI REPRESENTATIVE... AND THE CALL RECORDED BY CITI ), XXXX, IMMEDIATELY AND UNQUESTIONABLY ASSURED ME THAT I WOULD NOT BE RESPONSIBLE FOR THESE CHARGES. This call was at XXXX on XX/XX/XXXX. We know that they have the recording of this conversation with an authorized representative of Citi, as the representative we subsequently spoke with after receiving the first decline letter - XXXX XXXX- indicated that this conversation had been logged but that he couldn't ( wouldn't? ) play that recording for all of us to listen to. 

I could easily have been untruthful and say that my card had been lost or stolen, but I was completely honest, and trusted that the process would work and that the fraudulent charge - which I gained no benefit from - would be removed from my record. I'm not in a financial position to be able to pay for this, and I don't want to have to spend even more time than I already have trying to resolve this. I have no choice but to defend my position to the fullest extent, but it's causing me extreme stress and loss of sleep and as a result is impacting my health. I'm happy to answer any additional questions you might have if you would like to contact me.
Product: Credit card or prepaid card

On XX/XX/XXXX i reached out the macy 's store customer service regarding the payment. 
I called them and hold more than 45 minutes and then finally call was disconnected. 
Same thing i tried again XX/XX/XXXX but no success. Then i finally talked to them on XX/XX/XXXX. They said that we took the auto payment from the bank but i was rejected.They never notified me of the rejection and gave me late payment.I made them request to remove this late payment but they said that they can not help.Even i told them NYS governor made the announcement Banks and financial institutions will waive mortgage payments for 90 days for those with financial hardship as well as fees related to deposits and withdrawals as directed by the state 's Department of Finance, said XXXX.Credit scores will not be impacted by nonpayment of mortgages and foreclosures will be indefinitely postponed, said XXXX. But still they are not helping. Now i am unable to take any kind of loan or mortgage because of this mark.
Product: Mortgage

Working with Loan Depot on a refinance since application on XX/XX/2019. Was told I could shop for title company of my choosing. On XX/XX/2019 I notified my loan officer that I would be using XXXX XXXX and provided the branch managers contact information. On XX/XX/2019 I was given a loan estimate showing their providers title fee estimate in section C, when I asked about why they didn't have the correct title fees, we had been provided a fee sheet from title some weeks earlier, I was told it was because they hadn't gotten everything back from Title yet. I found out on XX/XX/2019 through the title company ( XXXX XXXX ) that they in fact had never been contacted by Loan Depot until after business hours on XX/XX/2019. I was then issued a closing disclosure on XX/XX/2019 to find out not only are they not disclosing the title company of my choice, they had in fact ordered title from their chosen service provider and disclosed it in Section B as an item I can not shop for. Being an industry professional, I reached out to them and said this is an issue, it's a TRID violation and not only was I told I was wrong, I was given an untruthful account of TRID compliance and told that the lender could choose whichever title company they wish. Now because of this my closing will be pushed even further, because they never ordered title from the correct title company after it has already taken 45 days to get to closing on a simple refinance.