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

XXXX continues to allege that my account is delinquent. I made payment arrangements from XX/XX/2023 to XX/XX/2023 to be caught up, only to be told my account was still delinquent. I responded by asking in email for a complete reconciliation of the account payments including the purchase of the debt. This information has yet to be provided. 

After receiving threats of foreclosure. Including lies about receiving correspondence on my behalf from the Veteran Affairs. I have asked for the correspondence and it has also not been provided, which leads me to believe they fraudulently stated in order to coerce me into making a payment. 

Written notification XX/XX/2023 to XXXXXXXX XXXX requesting original loan information proving that I owed the debt. Received response back without the information requested and legal representative insisted that the debt reporting to bureaus is accurate and would not be removed. 

They have no provided the information and I have requested complete information on the account to prove they are legally entitled to the collection of the debt.
Product: Bank account or service

My debit card was stolen. When I notified the company, they told me because the thief used my PIN that all charges were not fraudulent.
Product: Credit card or prepaid card

We purchased an outdoor table at XXXX XXXX in XXXX, NJ. My wife and I have our own sperate TJX cards and accounts. I went on to my bank website and thought I was paying the TJX bill for the table in my online bill pay bank portal however, when I made the payment to TJX, I used the wrong account number on my payment check and it was sent to TJX. The payment was never applied to our balance for the table because I used the wrong account number. I then sent a second check that did pay the balance for this table which was on my wife 's TJX XXXX. I called TJX and explained this, they said they would search for the check with the wrong account number. I then received a {$1200.00} refund from TJX for, what they told me, was for the check I sent for {$1200.00} that had the wrong account number on it. A few weeks later I received a bill from TJX that said that I owed them {$1200.00}. When I called they told me they never found the check with the wrong account number on it but refunded the {$1200.00} anyway and since they could not find this check I needed to pay them back the {$1200.00} they paid me. On XXXX I called the contact number on the TJX notice that requested repayment of the {$1200.00} and spoke with XXXX, he would not give me his last name, a TJX manager in the USA. He found the check with the wrong account number but since it had the wrong account number he said the system would not allow him to credit the outstanding {$1200.00} refund that was paid to me, which TJX was now requesting me to pay back. He told me to upload the letter from my bank on to the TJX site at tjx.syf.com to my account on the site. I did that on XX/XX/22 and received written confirmation that the letter was uploaded and received by XXXXX. I called TJX on XXXX and spoke to XXXX in their USA office who confirmed that the letter was uploaded and that payment from the check with the wrong account number had been credited to my account and that I owed TJX nothing. I received a letter about two weeks ago that said I owed {$1200.00} to TJX for this same transaction and bill a few days ago for the {$1200.00}. I owe TJX nothing but they continue to harass me and I need your help to put an end to this please. Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I closed my CHASE Bank checking account in XXXX I believe. 
Chase Bank sent me a letter by mail said that I have a past-due balance of {$2500.00} which I have to make a payment on XX/XX/XXXX. 
I made the payment by cash on XX/XX/XXXX at the branch where I closed my checking account and I believe the record is in the bank 's system. 
However, Chase sent me the same letter on XX/XX/XXXX indicated that I still need to pay that {$2500.00}. And another letter was sent on XX/XX/XXXX, indicated that Chase has received my {$2500.00} as a deposit but they are unable to locate a Chase account cause I've closed my checking account. So I went back to the branch to figure out what is the problem. 
After talk with the banker, the issue is the cashier who helped me with the payment made a mistake by making a deposit instead of a payment. Payment is what supposed to be instead of the Deposit. So the banker called the phone number on the letter I received which is XXXX to change the type of deposit to the payment and told me all set. 
Surprisingly I received a letter which was sent on XX/XX/XXXX and said that the bank has reviewed my account and determined that its balance of {$2500.00} and current status are accurate, which means I still owe Chase {$2500.00}. But when I called the banker, she still told me the letter means all set. 
In last week I just received another letter that sent on XX/XX/XXXX and said I need to make the payment ASAP cause there is still a {$2500.00} past-due balance. 
It has been 4 months till today since I gave the cash to the Chase bank on XX/XX/XXXX. 
Unfortunately the banker told me that there is nothing she can help with cause the collection department and deposit department don't cooperate. 
My top claim is the Chase bank need to correct their mistake and delete my record of the over-due payment cause I paid 4 months ago. Otherwise the Chase bank needs to give that {$2500.00} back to me first if they want me to make the payment for the second time, and the record needs to be removed as well. 
Thanks for your time and I do appreciate your help.
Product: Debt collection

On XX/XX/XXXX, I was served with a summons to respond to a complaint for forfeiture from XXXX XXXX XXXX XXXX ( Case number XXXX ). XXXX claims that I owe over {$15000.00} for entering into a land contract that has become delinquent due to non payment. 

I have never had any communication with this company. They included a paper trail of quit claim deeds that show how they came to hold the debt, but none of the companies save the first lender has ever made contact with me. I was not notified of the debt being purchased by XXXX XXXX XXXX XXXX, so I had no chance to remedy any default until this notice calling for forfeiture. 

In XX/XX/XXXX, I entered into a contract with National Asset Mortgage LLC. I was notified in XX/XX/XXXX that the loan would be serviced by a different company, XXXX XXXX XXXX. I would continue to pay the same amount monthly, but I needed to send the payments to the new address. I continued to pay XXXX XXXX XXXX about {$370.00} per month to satisfy the conditions of the contract. 

After being served with the summons, I contacted XXXX XXXX XXXX to ask where my payments were going because every check I had sent had been cashed. I was not given any assistance beyond the fact that my debt had indeed been sold to a different company and I would need to contact XXXX to discuss the debt.
Product: Credit card or prepaid card

I signed up for a XXXX Discount Tire Synchrony Car Care card after being told that it was the same thing as a XXXX card and would be accepted anywhere that XXXX cards were accepted. After multiple attempts to use the card in different locations they were all declined. The store managers at XXXX Discount tire at the following locations are specifically instructed to tell the customer that the card is accepted anywhere that discover cards are accepted. I know this because I was a manager there and was told this. When I asked for more information regarding this the Regional managers would reply with a script about not questioning things because we are proving help to the customer that can't pay. This happens in two specific locations and one manager would go as far as saying it would not affect the customers credit scores in anyway just to get the bonuses that were given for most sign ups of the card. The store is located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and the manager that haas now moved up because of his lying to the consumer is named XXXX XXXX who is now at the location XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Product: Credit card

I applied for a XXXX XXXX XXXX  to be serviced by XXXX  XXXX XXXX and had no problems. XXXX XXXX switched their provider to Comenity Bank and from there I had several problems. First I was not notified of the change. I had an electronic documents agreement with XXXX  XXXX XXXX and was used to receiving my documents online. I always had elected to utilize auto pay. The first I became aware of the change of servicer was with a a past due payment and a phone call. I never received a credit card from Comenity and a card was required to sign up for online banking. I never received notices from Comenity in spite of repeatedly updating my address. The mental burden of needing to remember without notice when my payments were due without notices was undue. A phone call was the only way provided to make a payment since I do not have checks. The wait times to call in were prohibitive and speaking with a person at all was at times a challenge. Due to this unreasonable burden I missed several payments. These missed payments are now on my credit report. I tried to file a credit dispute with the company and followed the instructions they gave me over the phone, but the company never replied. I don't know of anything else I can do than to file a complaint.
Product: Debt collection

I received a notification from my credit reports that I have a new collection. I checked into it to see who and what it is from and the collector is Commonwealth Financial. I have not received any phone calls, letters, or anything attempting to collect a debt. I searched the Secretary of State website of Texas to try and gather more information, however they are not licensed to collect in Texas. They are claiming that I owe {$92.00}, to whom I do not know.
Product: Checking or savings account

Hi, XXXX you are doing well and XXXX XXXX XXXX. I recently opened an account with XXXX, because Id like to use their 4 % APY saving accounts. Unfortunately, there is something come up and I need to use the money, so I try to transfer the money back to my bank, they called me to confirm my withdrawal, they approved it then went ahead and restrict my account. XXXX unsure of what to to because this is the first time something like this happen to me. I try to call their customer service multiple times, but they didnt give me any answer and told me to wait. I hope you could help me with this. Please let me know if you need any additional information. Hear from you soon. Thank you!
Product: Checking or savings account

My XXXX XXXX XXXX  were being deposited into Direct Express. I lost my card in XXXX of 2024 and notified Direct Express immediately. I needed to get a new card issued in order to access my money. I have been requesting this card since XX/XX/scrub> 2024 and provided them with everything they have asked for but they still have my money and they have never sent me a card so that I can access my own money. I have sent them my ID, my birth certificate, my social security card, and everything they have asked for multiple times, as have my XXXX XXXX XXXX caseworkers. I am homeless and they have been told this as well.
Product: Credit reporting

None of the XXXX major credit reporting bureaus have my employment information since 2012 and some do n't have my correct and legal name from my legal social security card which is XXXX XXXX XXXX not XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX was paid in full. I received a paper from them stating that I have a XXXX balance with them and I have certified copies from the court house stating the judgement was settled.
Product: Payday loan, title loan, or personal loan

I received XXXX On XX/XX/XXXX. 
There were no terms sent to me stating it was a 600 % apr. 
I made a payment of XXXX on XX/XX/XXXX. 
I called to payoff in full on XX/XX/XXXX and was told I owed XXXX I set up to pay that amount and its still in my account XX/XX/XXXX. Even though I was scammed. They never disclosed the payback amount until I signed the agreement. And why is it still in my account? They need to be stopped. Shut down. I cant afford to pay that back but had to borrow because if the interest kept on it wouldve been XXXX to pay back and now I dont have rent money.
Product: Debt collection

XXXX will not update and remove account on XXXX and XXXX even though they have on XXXX XXXX knowing this debt was included in bankruptcy.
Product: Money transfer, virtual currency, or money service

I went to the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, NE XXXX on XX/XX/2018 @ XXXX to generate a wire transfer in the amount of {$21000.00} to my family in XXXX. Banker at the time initiated the wire to be transferred in the foreign currency which was XXXX XXXX. After the wire had gone out I came home and calculated the wire transfer exchange rate applied by my financial institution and realized that there was a {$800.00} difference in the exchange rate vs the foreign exchange rate. XXXX  applied the exchange rate as $ XXXX XXXX but foreign exchange rate on that day was $ XXXX  per XXXX. What I don't understand is how come there is a huge difference in the exchange rate of my financial institution versus the foreign exchange rate. With such a enormous difference in the exchange rate I am losing about {$800.00} by transferring the money to my family. This is totally unethical and not fair to the consumer to bear such a huge loss in the process of currency conversion. I do understand that financial institutions do have their fees and stuff but there can't be a difference of at least {$800.00} between the exchange rates.

I would highly appreciate you closer investigation in this matter.
Product: Mortgage

Lakeview Loan Servicing , LLC has granted covid relief and granted deferments. During this time frame they have also reported lates to the credit reporting agencies. I have made several disputes and this remains unchanged. If the business has agreed to offer extensions and no minimum payment is due, why are they reporting lates? I have 3 letters stating that during this time no payment is due.
Product: Debt collection

1. I refuse to pay any debt to CREDIT CORP SOLUTIONS account # : XXXX and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of Metro2 compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States XXXX XXXX XXXX XXXX XXXX North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes complaints with XXXX, TransUnion and XXXX   complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.
Product: Debt collection

This account does not belong to me. I have no knowledge of it. I have submitted complaints the last time they tried to collect it two years ago and it was deleted from my credit report. I have an ongoing ID theft issue with plenty of reports including local police departments in the FTC. this collection companies repurchasing old debt resold to them by other collection agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a letter from Huntington dated XX/XX/XXXX informing me that they would be deleting the loan account ending from my credit bureau reports. I would like to know if the credit inquiry associated with the loan account will also be removed. 

In my original CFPB complaint, I stated on XX/XX/XXXX I spoke with the underwriter who finalized the deal about the income that the bank received in the credit application. The underwriter informed me that the credit application from the dealership had the incorrect income, but she assumed it was an error because she knew the loan would not get approved. The underwriter informs me that a zero was added to the income without verifying with the dealership. 

Huntington CFPB response on XX/XX/XXXX was " Upon further review, I confirmed that when Huntington received the credit application, it was identified that the amount of income disclosed on the application may have been entered incorrectly ; therefore, we contact the dealership to retrieve the corrected income amount. Please be advised that as a result of the updated information, Huntington approved and funded your request for financing. '' In the first CFPB complaint feedback and the second CFPB complaint, I refuted your claim that the bank contacted the dealership to retrieve the corrected income amount BEFORE approving the request for financing. Based on the conversation I had with both the underwriter of Huntington and the finance manager of XXXX XXXX XXXX on XX/XX/XXXX, I do not believe Huntington contacted the dealership to verify the income before approving the request for financing. 

I would like to get clarification as to why Huntington is claiming that they indeed contacted the dealership before approving the request for financing while the underwriter and finance manager claims otherwise. Proof/evidence of Huntington contacting the dealership before approving the request for financing would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial/Lead Bank has submitted False Documentation stating the Account is Past Due XXXX, XXXX, and XXXX of XXXX  but they were paid and the account was closed in XXXX  XXXX.It is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to Help me to remove it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of Bank of America for which whom I have a current Mortgage with. XXXX, XXXX and XXXX of XXXX B of A reported to the XXXX Credit Bureau 's that I was late on Payment 's. 

I am currently enrolled in XXXX XXXX XXXX and filed a complaint and provided proof with Bank Statements showing I was not late in payments. 

I contacted Bank of America and spoke to a representative, I was told that my impound for my taxes had increased and that there was not enough money in my payment to cover the impounds. Since the mortgage payment I made was not sufficient they did not post my deposit to the account. The difference in the amount was like XXXX as soon as I found out after several calls to Bank of America I payed the difference. 

I never received a courtesy call to inform of me of this. In the Interim due to this injustice I tried to refinance my mortgage and was told I could not because I couldn't have any mortgage late payments within the last year. My credit score has decreased making me get higher interest on loans.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX  ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate..

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.

3. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 4. 15 USC 1681b ( a ) ( XXXX ) ( a ) XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
5. 15 U.S Code 1681q. Obtaining information under false pretenses XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
6. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX If you are unable to verify the accuracy of this account, then please update it to show that it is paid as agreed and is never late.