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

I walked in to bestbuy to purchase a product with cash. I was then offered a store card by an employee at bestbuy. I insisted in getting the store card because j knew I would be denied because my credit was not the best at the time and I did not want to geberate an inquiry on my report. The employee then insisted and told me the the application would not generate an inquiry in my credit. Trusting his word I then proceeded with the application and minutes later received an inquiry. I would like to have this removed because of the misguided information I was given at the store.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Vehicle loan or lease

I missed a payment because I was hooked up to a XXXX in the hospital with XXXX XXXX. 

I have called the lender and detailed the situation several times. They have said that I don't qualify for forbearance or a good faith forgiveness. However while I was in the hospital hooked up to a XXXX  there was no way I could make payments. 

Since the missed payment I have continued to make all other payments timely. 

The lender ( Chase ) has essentially told me too bad and that they do not care about their customers. 

XXXX was very hard to beat however I beat it. And It is not right that now My credit score is 140 point lower than it used to be and I can't qualify to buy my family a house. 

The attached document shows a due date change that I made the payment by. Not only are the falsely reporting I was late but they also won't acknowledge that I was sick. Heartless ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I contact Experian via certified mail ( attached proof and letters ) I requested proof of accounts that they claimed were mine. I also Have credit card companies reporting incorrectly because credit cards were stolen and used and cause balance and I closed the cards because of theft. I have reached out to Experian explaining the issues and the Laws that are protected by me to assure I am not being reported inaccurately. They sent a generic auto response claiming nothing was inaccurate when in fact several things are reporting inaccurate and illegal. I will forward my proof to you.
Product: Debt collection

I have mailed several certified requests to validate debt that I do not owe from Thunderbird Collection Specialists. Company consistently refuses to respond providing ORIGINAL documents under the Fair Credit Reporting Act.

Thunderbird Collection Specialists responds with false invoices with misleading information including invoices with incorrect addresses ; documents created from its internal accounting system.

*Thunderbird Collection Specialists has received Countless complaints identified on the XXXX XXXX XXXX ( XXXX  ) web site from consumers for violating rules relating to the Consumer Financial Protection Bureau and the Fair Credit Reporting Act.

Note : Thunderbird Collection Specialists has been informed and contacted, but continue with its illegal practices.
Product: Mortgage

We built a home in XXXX on 10 acres. Our loan was sold to Home Point Financial Corporation out of XXXX XXXX, TX. In XXXX we notified them we wanted to build another home on our property and needed them to release a 4.5 acre parcel. They gave us the detail process, costs, and timelines. We completed everything they asked, paid $ 10s of thousands of dollars to release the property. We provided details and appraisals that the $ 200k loan we still owed on the XXXX home with 5.5 acres would have a substantial amount of equity that would not put them upside down on the Loan to Value. In fact, there is over $ 120k in equity on the XXXX home. Now theyre not responding and weve purchased over $ 100k of windows, lumber packages, etc for the next home because we completed everything they asked. They will not return phone calls or emails. They are holding OUR land hostage for no reason. They will also not cooperate with other financial institutions to let us refinance the $ 200k loan with another firm so we do not have to do business with them. Please help.
Product: Credit card

Took out loan with Care Credit for XXXX XXXX on promotion. Had 1 year to pay back loan but upon loan maturation, the original loan amount was doubled and excuse given as accrued compound interest rate. Currently paying 32 % interest on original loan amount. Looks like and seems like loan snarking practices by this company. I understand that interest can go up upon the maturity date of a loan, but double compound interest on the original amount? Seems or should be illegal.
Product: Credit card or prepaid card

USPS XXXX XXXX fee was suppose to be {$73.00} ( USPS letter sent verification ) on automatic payment.in XX/XX/2022. Instead {$91.00} was charged and I disputed {$18.00} of the {$91.00} charge and paid the {$73.00} on my Citi bank credit card bill in XX/XX/2022. The {$18.00} dispute was rejected by Citi bank and instead of the {$18.00} dollar dispute charge being reversed on my XX/XX/2022 Citi bank bill.. Citi bank charged me again for {$73.00}. which I had already paid on XXXXXXXX XXXX XXXX  statement. 
I notified Citi Bank on a chat line and was rebuffed and told they did not have access to the information. I wrote Citi Bank credit services and there has been no acknowledgement.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I am writing to report a serious financial issue that I have encountered with Navy Federal Credit Union. On XX/XX/2023, I was the victim of a vishing scam where unauthorized individuals accessed my account and conducted multiple fraudulent transactions without my knowledge or consent. Despite my repeated attempts to dispute these transactions with Navy Federal, they have unjustly denied my claims and appeals and held me responsible for the unauthorized activities. As of XX/XX/2023, Navy Federal is now reporting delinquencies on my credit reports for the transactions resulting from identity theft. 

I have attached screenshots of e-messages, forgery declarations, and call logs documenting my interactions with Navy Federal, including the dates of telephone contact to report the claims, appeal their denials, and request second reviews. Additionally, I have included bank statements, transaction records, identity theft reports, and credit reports to support my case. 

The fraudulent transactions include cash advances on my credit cards, a personal loan taken out using e-signature, a member-to-member transfer, and funds sent via XXXX XXXX under duress. These actions have put me in a precarious financial situation, jeopardizing my ability to achieve my goal of purchasing a home in the near future. 

I urgently seek your assistance in investigating this matter and helping me resolve the dispute with Navy Federal Credit Union. I respectfully request a thorough review of my case and a favorable outcome that protects my financial interests and rights as a consumer.
Product: Debt collection

On XX/XX/2016 at XXXX est I received a voicemail from a person who claimed his name was XXXX XXXX . He called from XXXX. The voicemail insinuated he was an official of XXXX County who was attempting to serve me legal papers. When I called him back, he said he was trying to speak with me regarding a debt related to an old Citibank credit card. Because I formerly worked as a debt collector, I knew he had broken various guidelines as dictated by the FDCPA. I asked him if he was attempting to collect a debt, and he said no. I asked him why he did not recite the Mini Miranda, and he replied that he was not a debt collector, though he called me regarding payment arrangements for an old debt. I have copies of 2 voicemails that he has left me, and will provide them if requested.
Product: Credit reporting or other personal consumer reports

There are several inaccurate and outdated addresses and names on consumer report that must be updated/removed. There is a violation of 15 USC 1681s-2. 
NAMES INACCURATE : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
ADDRESSES INACCURATE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX, TX XXXX.
Product: Debt collection

Every day since XXXX. They've been calling me, my job and my relatives spreading all of my business. Told me they were gon na find me but has not ever made contact with me. At this point it's just mind games and I want them to stop harassing everyone I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shared my personal identification information ( name, birthdate, social security number ) with an unknown group after they were able to access the information because of subpar electronic security measures. Furthermore, several Equifax executives sold stock in their company after they learned of the hack and withheld this information from the public for several weeks.
Product: Mortgage

I want to file a formal complaint against XXXX XXXX of Wells Fargo. She pulled my credit with out my permission, denied me a loan based on credit when I was told she could get me a refinance loan WITHOUT pulling my credit and continues to send me boat loads of emails and documents to this day even though I was denied a loan after my credit was pulled without my permission. 

How do I file this complaint and seek legal representation for unjustice.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$3800.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 


XXXX XXXX XXXX
Product: Debt collection

I don't understand how your company can list a fraudulent collection for services never rendered, due to substandard health conditions and a breach of contract. 
XXXX XXXX management did not have the apartment ready upon arrival. The kitchen cabinets were still on the ground in the kitchen, and the entire unit reeked of 2nd hand smoke that caused allergic reactions in my XXXX year old son, and within a few minutes latter my wife developed breathing problems. 
XXXX XXXX 's management employee would not accept the keys as it was XXXX minutes past XXXX XXXX. So I returned the next day to return the keys, after locking up the unit and not spending one day or night in the health hazard apartment. 
We drove away to my wife 's relative house to spend the night and on the 2nd day found a suitable apartment at XXXX 's XXXX in XXXX, XXXX XXXX. Call them yourselves and inquire about my payment history as you already see in my history record. Ask yourselves, why is the only collection action on my report from XXXX XXXX after 3 years? It's because they breach their agreement about having the apartment ready and it being a non-smoking unit. They failed to comply. Why are they supporting their collection actions by retaining it on my credit report. 

The collection agency is Florida based, and neither Virginia based nor is the apartment complex located in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the credit bureau to correct my XXXX XXXX XXXX XXXX balance. My correct balance is XXXX
Product: Debt collection

I Consumer XXXX XXXX XXXX entered into a consumer credit transaction with ALLY FINANCIAL on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. Title 15 U.S.Code 1605 defines a finance charge as sum of all charges in a consumer credit transaction. The finance charge does not include cash, but ALLY FINANCIAL took cash. The finance charge is supposed to include insurance, but Ally financial made me purchase insurance separately.
Product: Mortgage

We took out a loan from XXXX about 10 years ago. Somehow we wound up paying PNC bank for the monthly payment. PNC demanded the balance of the loan be paid back immediately, although we have this loan for 10 years and have been paying all payments on time. Just recently, we received letter from an attorney from PNC. Now that we are forced to sell the property to pay off the balance, we found that in addition to the balance of the loan, they asked us to pay a {$200.00} administration fee and {$2000.00} lawyer fee. If PNC decides to hire a lawyer, why am I asked to foot their lawyer 's bill. If we do not pay them, we will not be able to close the sale and pay the loan balance. This is nothing more than an extortion. Can they really do this? Another issue I am concerned with is that they may be clouding the title of the property with their legal mingling. Please contact me soon as the closing is upcoming and at this point we can not proceed with this open issue. Thank you for your help.
Product: Money transfer, virtual currency, or money service

Bank card : chime On Thursday, XX/XX/year>2024, at XXXX 1 attempted to withdraw money from a XXXX Bank ATM XXXX identified as XXXX XXXX, using my debit card. During the transaction, the ATM failed to dispense the cash, and I did not receive a receipt confirming the transaction. Despite this, the amount was still deducted from my bank account. 
After realizing the issue, l immediately contacted my bank to report the problem and initiate a dispute. However, my bank informed me that they could not proceed with the dispute unless I provided a receipt from the ATM. Since the ATM did not provide a receipt, I am unable to fulfill this requirement. 
I have also reached out to XXXX Bank, the owner of the ATM, but they have directed me back to my own bank, leaving me in a difficult situation with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I called a spoke to supervisor at XXXX about an ongoing issue with a account listed on credit report. I asked her how is it possible that account that has been closed since XX/XX/XXXX have different dates reflecting on my credit report. I informed her that I purchased my credit reports from MyFICO on two different occasions and dates. The first purchased reported dated XX/XX/XXXX had a close date of XX/XX/XXXX and the second purchased date of XX/XX/XXXX had a close date of XX/XX/XXXX. 

When questioned about it she said that was the information that was transmitted or sent by Toyota. I asked her how is that possible that an account has three different " closed '' dates? 

I also pointed out to her that account was sold to a outside collection agency and when I asked her if I could submit my own documentation to prove otherwise she said that XXXX would not accept it. I told her I had proof i.e.a bill from the outside collection agency with the Original Creditor and the balance that matched the balance from the original creditor and she still said XXXX would not accept it. 

XXXX is denying me due process afforded to me under Federal Law by refusing to accept clear and cogent documentation pertaining to my dispute. I have pointed numerous discrepancies on my report and XXXX refuses to acknowledge or fix them.
Product: Credit reporting or other personal consumer reports

I have made many attempts to have this account resolved, investigated and removed from my credit report with Experian. The reported creditor and credit bureau agency Experian are reporting unfair derogatory and inaccurate account information regarding this account ( XXXX ) with creditor XXXX XXXX XXXX XXXX. This inaccurate information is not being investigated and verified fairly by Experian. I have reach out to XXXX XXXX XXXX XXXX about this outdated account. I never had an account with XXXX XXXX XXXX XXXX and my attempts to have this resolved and have it removed from Experian has went unresolved. I didn't receive any notification, billing statements, or notice of default of any kind from this financial institution. But when I review my credit report from Experian they have years of derogatory report information in this account.
Product: Mortgage

Wells Fargo sent me a rejection letter saying that they could not prove my income despite the fact that I sent them two years of federal tax returns with qualifying income. They also said I have insufficient assets which was not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX transunion cra violation inaccurate information sent my police report what else do they want
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the collection account reported by your agency on my credit report in connection with XXXX XXXX referencing an alleged debt of {$1700.00} for an XXXX XXXX. I have never received the XXXX in question, and I have been disputing thismatter with XXXX for the past seven months. XXXX has confirmed that the device was returned, and I do not owe any balance on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va debt management office. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I am dedicated to making sure that my credit report accurately reflects my financial conduct and I am aware of how important it is to keep an accurate credit history. But I'm worried that these late payments are hurting my credit and making it harder for me to take advantage of good financial chances. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
If the investigation confirms that the late payments are accurate, I kindly request your assistance in providing information on how I can work to repair my credit and improve my credit score. I am committed to taking the necessary steps to ensure my financial responsibilities are met in a timely manner. 
I appreciate you taking the time to consider this. I'm grateful for your help in getting this resolved and keeping my credit record accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. A federally protected consumer. I am writing to request the immediate removal of a fraudulent account from my consumer report. The account in question is associated with XXXX XXXX XXXX, with the account number XXXX. 

The presence of this fraudulent account is hindering my ability to purchase a home for my family and is causing significant obstacles in my financial endeavors. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my consumer report and expect a timely investigation. 

I urge you to address this matter promptly, removing the fraudulent account from my consumer report within four business days. Kindly provide written confirmation of the resolution and the updated status of my consumer report once the correction has been made. 

Enclosed are copies of supporting documents for your reference. Please feel free to contact me should you require any further information or documentation. 

Thank you for your immediate attention to this urgent matter. I trust in your commitment to fair and accurate credit reporting. 

Sincerely, XXXX XXXX