23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a title loan XXXX I paid on it for about a yr {$200.00} XXXX, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You
Product: Credit reporting or other personal consumer reports

There are incorrect hard inquiries on my credit file that breach federal law. Please remove them immediately as per 15 USC 16c-2.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/XXXX
Product: Debt collection

Debt claimed is for insurance premiums from XXXX XXXX, my former employer, for months of something like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2013. I was out on XXXX leave. I had run out of FMLA so they were not required by law to continue my insurance coverage. I had applied for SSDI. I never returned to work. I was covered by XXXX during the time in question. 
When XXXX XXXX XXXX XXXX XXXX tried to collect this money from me I sent them proof from the Wisconsin state XXXX office that my coverage started on XX/XX/2013. They ignored this. I filed disputes and sent the documentation to XXXX, XXXX, and XXXX, but only XXXX   removed the account from my credit report.
Product: Mortgage

This company send me a letter pretending to be my mortgage lender saying that i qualify for a reduction in my annual mortgage insurance premium. They ask me few question and told me that someone would pass by my house to sign some papers. I need to mention that they never identify themselves as an independent financial company, neither in the letter they send to my house they specified their name. Next day in my credit bureau it come out XXXX hard inquiry that i did not authorized or recognize from a company call Credit Plus. I call my mortgage lender and they told me to report this to the CFPD and to do n't sign any paper because they did not send or call me with this offer and provably it was an scam or and intent to refinance my loan without my authorization.
Product: Checking or savings account

I am writing to formally file a complaint against Chime regarding an unfulfilled referral bonus that I was promised. 

I signed my mother up for a Chime account using my referral link, following all of the instructions provided by Chime. My mother made the required deposit within the specified time frame, making us both eligible for the {$100.00} referral bonus. 

After the bonus did not appear in our accounts, I reached out to Chimes customer support through chat. I was told that we should wait, and that the bonus would be applied shortly. However, weeks passed, and there was still no bonus. I then called Chime on behalf of my mother and spoke with a supervisor who assured me that both of us would receive the {$100.00} bonus and that it would be applied within minutes to a couple of hours. 

Despite this assurance, the bonus still did not appear. I called Chime again several days later and was once again told to wait. After more weeks passed with no update, I called Chime once more a few days ago and was informed that even though we met all the required activities, the system would not allow them to apply the bonus because it was too late. 

This situation has been incredibly frustrating. I was repeatedly given false assurances by Chimes support team that the bonus would be applied, only to be told later that it was impossible due to an issue with their system. I feel that I was lied to about the bonus, and as a result, my mother and I have not received the funds that we were promised. The ticket ID number is XXXX from the last phone call with chime on XX/XX/year> I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in resolving this issue with Chime. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX financial failed to report my auto loan correctly to the credit bureaus. I dispute to all 3 bureaus and they didn't conduct a proper investigation. They also did not give me notice to attend the auction to purchase my vehicle back which is a violation of repossession laws. They also did not send a deficiency letter with the remaining balance, and when I called to receive it I disagree with the balance they said I owed before and after. They have been sued by the CFPB for not reporting to the credit bureau correctly causing customers harm and I am one of those customers.
Product: Debt collection

I've reach out to the original creditors as well with no resolution. I had requested for the inaccurate information to be removed and blocked from my credit report. this information was obscure, had errors & omissions I requested that the record be augmented, this is causing a defamation of character and it's injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things. 
Confusing fine-print Wont put it in writing- No one will give you clear information in writing, even when you ask for i I demanded the direct verification, and validation all data for this account, every notation, dates and balances, whether reported or not. I demanded proof as per Public Law No. 91-508 ( FCRA sec 605, 609, and 623 ). and to please verify and validate all data for this account, on top of it, if this is a collection account and the collector need to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. I do not recognize the charges on the account nor the account itself, it does not belong to me, I purge myself and my person ( s ) from any and all assigns for account listed herein, so be it, and ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX 11.XXXX XXXX XXXXXXXX , XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely XXXX
Product: Credit card or prepaid card

Credit Karma has pushed email and app notifications for " newly approved odds '' for certain credit cards. They have given me options to select and when I proceed with the application I not only am NOT approved but it hits my credit as a hard inquiry. I understand that I accepted the terms and conditions but it was very misleading. Extremely misleading. Especially when they said this : " Credit Karma Score big for your scores. 

A new credit card could help you build your credit. 

We've picked out a few cards for scores like yours. * A new credit card could help you raise your total credit limit key to building great credit in the long-term. 

Head over to Credit Karma to make your big play. '' On XX/XX/2XXXX XXXX
Product: Checking or savings account

On about XX/XX/year> I logged into my chase account and noticed unauthorized transactions from a company XXXX XXXX  These transactions were thru XX/XX/XXXX, XXXX XX/XX/year>. I immediately called my bank to report this. I was given a claim number and a couple days later I was given a temporary credit. A couple days after that the credit was reversed. I went in a branch after this to escalate my dispute and asked why it was reversed. I was told I could not be given an information at the time but my dispute had been escalated. Since then I have heard nothing from the bank about my dispute whatsoever. This was a new account and Ive barely used it. I have never had any relationship with the company XXXX XXXX. And Ive never authorized any transactions with them whatsoever not credit or debit or anything. I didnt authorize these to. And the bank is refusing to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( XXXX ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely XXXX ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted XXXX and asked them to remove the late payment. They refused.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/2024 The car dealership ran XXXX hard inquiries on my credit without my consent for an auto loan. Eventually, I was approved through their in-house XXXX XXXX XXXX XXXX loan , which was the first to pull my credit from the beginning. These multiple inquiries caused my credit score to drop significantly. These extra inquiries was done after in the same day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative items on my credit report I also have disputed these items in XXXX and I have not seen any changes or notification as to why these items are on my report
Product: Payday loan, title loan, or personal loan

We are under contract to sell our boat, which is financed by Flagstar Bank. We need a 10 day pay off figure. We called. Waited nearly 20 minutes, were told they do not give pay off amounts over the phone. WHY? They mail them. It will take 5-7 business days.

We just want to pay off our loan. Our payment history is impeccable. What if our buyer backs out because he doesnt want to wait? Why cant they tell us what we owe them? 
I call XXXX
Product: Student loan

My loan servicer changed from XXXX now to XXXX ( Nelnet ). My loan interest rate was reduced to 0 % with a loan modification I did a few years ago. Now Nelnet is charging me a 1 % interest rate and has already applied interest to my loan! This is disturbing beyond belief!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan at one financial institution, after a few days I noticed many inquiries by different institutions in my credit reports that I did not authorize and were done without my prior written or verbal approval. This leads me to believe that my credit information was given to other agencies without my consent thus violating my rights as a consumer. The following unauthorized inquiries in my report are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX  - {$3300.00}
Product: Credit card or prepaid card

On or about XX/XX/, I purchased a rug for {$500.00}, charged to the credit card ; on XX/XX/ this item was returned and a refund issued to the credit card. On XX/XX/ I purchased another rug for {$230.00} charged to the credit card. There was a statement which I never received ; upon receipt ( to me ), of the first statement showing a balance due of {$320.00} representing {$230.00} for the rug plus fees, interest, totaling {$86.00}? I called Customer Service and spoke to XXXX, he waived all interest and I mailed a check for XXXX with a letter explaining the above to the Company / Financial Institution. The check, with a letter from the financial institution was returned because I didnt pay the difference i.e. interest! On XX/XX/ again I called Customer Service and spoke to XXXX ( sp? ) who agreed to waive all interest per confirmation # XXXX, if I paid over the phone the {$230.00} ; I did! The following month ( XXXX ), I had a new balance of {$58.00} ; XXXX {$85.00} ; XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$150.00} During XXXX, XXXX and XXXX the interest was low because we were exchanging letters ( the financial institution and myself ), where I was trying to explain the above ; their last missive they stated At this time our investigation has concluded ... What investigation if they refused to read my letters, which had attachments with dates! At one point I received 2 separate letters from different Customer Care Team, there was never a name or a signature, never an individual to whom I could address this issue ; some of the letters didnt make any sense! I was really frustrated! I sent a payment of {$14.00} this month just to prevent them sending this account to collections, they did already sent a notice to my bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, XXXX XXXX  XXXX  requested a credit review on my name through TransUnion. I am a current customer of XXXX '. 

When I called XXXX, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. 

I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the XXXX inquiry. 

XXXX was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.
Product: Credit card or prepaid card

This complaint is against Best Buy Credit Services- I have a credit card for Best Buy that is issued by Citi Bank. I was a victim of fraud in XXXX of 2021 and I asked my card to be closed and issued a new one. Before I got the replacement card, another fraudulent purchased was made with it. I called Citi Bank to close the account all together. They assured me that it was closed. 

I opened a brand new account for a Best Buy Credit card to not have the same issue. 

I just received notice of a late fee on the account that was closed due to a purchase that I made at Best Buy last XXXX. The account that was supposed to be closed never was and the purchase was charged to the closed account versus the new account. 

We were just hit with a late fee for the account that was supposed to be closed. 

We just spent an hour arguing with Citi bank about this. They admitted that the account was supposed to be closed. The rep ( XXXX XXXX tried to close the account and wasn't able to do so. XXXX 's demeanor was one to refuse to help or listen to our issues, as dismissive as someone can be. He was obviously just reading a script, which had the purpose to frustrate and not fix their error. Citi Bank is making impossible to close this account after multiple attempts. This is just like the fraud scheme that XXXX XXXX had for opening new accounts and not closing accounts for their clients. 

I was not able to close the account yet again. At this point I don't know what to do as I do not trust them to close my account. If they're doing this to me, they must be doing it to countless other victims.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for gal purpose.

5
Product: Mortgage

Bank of America ( BoA ) ( the servicer ) withdrew two months of PMI/Private Mortgage Insurance AFTER XX/XX/XXXX, even when the legal contract states that PMI will be terminated ON XX/XX/XXXX. 

In the legal contract, it states, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. '' The servicer notes that PMI is paid in arrears but they can not find any documentation of it in the original signed contract. The only thing found was that PMI is to be automatically terminated by XX/XX/XXXX, with no further payments. 

If there are payments to be made due to poor planning on the servicer 's part, then they should be responsible for it, not the borrower, who has already paid thousands in mortgage interest and PMI over the years. 

I tried to make efforts to resolve this directly with BoA but I ended up playing phone tag with a representative and, after a few times that I left messages, the representative stopped returning my calls. 

You will find two documents attached. The first document BoA reported to the CFPB, dated XX/XX/XXXX, had no PMI taken out after XX/XX/XXXX and also a lower monthly bill. Then I was sent another document, dated XX/XX/XXXX, with two additional months of PMI taken out and a higher monthly billing. 

From my understanding, if money is taken from an account outside the legal contract and/or without the account holders permission, whether it be this year or any future years, then it is considered fraud and/or embezzlement. If BoA is willing to do it so easily, then who 's to say they wo n't do the same to others or the government.