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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX  XXXX XXXX {$72.00} XXXX  XXXX {$160.00} XXXX XXXX   XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In 2022, I received a phone call from the auto loan company informing me of a past due bill on a loan I had no knowledge of. I spoke with a representative from the company, explaining that I had no involvement in this loan, and I was not responsible for the outstanding balance. 

Following the conversation, I reviewed my credit reports and discovered several discrepancies, including delinquent accounts and addresses that were not associated with me. Concerned, I conducted further research and traced the automobile in question to XXXX, XXXX After confirming this information, I contacted the auto loan company again to inform them of my findings. 

As a result, the company repossessed the automobile and later sent me the past due amount owed. This situation has severely affected my personal financial circumstances, as it has impacted my credit and overall financial stability. I am seeking resolution to correct the discrepancies and mitigate the financial damage caused by this issue.
Product: Mortgage

Today date : XXXX XXXX XXXX 

I received a letter from AmWest Funding on XXXX XXXX XXXX, that we behind the payment since XXXX XXXX XXXX till XXXX XXXX XXXX in the total amount of {$24000.00}. 

I been have financial hardship to make this mortgage payment since my work is slow down and my husband has not been work fulltime since he has an operation and perform XXXX since last few months and has to take care my son XXXX XXXX with XXXX problems since last XXXX years. 

Please help with mortgage protection program. 

Thank you so much. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.
Product: Credit card or prepaid card

XX/XX/22 timeshare help {$10000.00} After preforming a minor audit of my finances I found this fraud charge after filing a claim with capital one I am told they cant do anything because its over 180 days old. I explained to them that I XXXX XXXX XXXX XXXX and take care of wife who is XXXX XXXX XXXX XXXX, and therefore I don't always verify every charge monthly. As soon as I found this I reported it. I found fraud on a different account and didn't have any of these problem I don't understand why Capital One would treat me like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my XXXX and Experian credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting XXXX XXXX to respond to correcting this issue.
Product: Credit card or prepaid card

I have tried to dispute this account with Kay XXXX multiple times as it is not my account and is showing as closed - charge off
Product: Vehicle loan or lease

I was told by several of the customer service reps that I missed a XX/XX/2022 payment, as such my XX/XX/2022 payment was applied to the XXXX installment. Additionally, that my account is past due and has a late fee. 

I went through my account and all payments have been made timely, including XXXX. Two different reps argued with me, one hung up on me and neither communicated clearly at all. I asked to speak with a manager and was told they weren't available. I have since sent in screen shots of my XXXX payment transaction as well as transactions for the last 10 months. I have NOT missed any payments. I believe the issue is on their end. The XXXX payment was successfully processed on XXXX. 

I've asked that the company immediately ensure that the payment is credited to my account and that the late fee is removed. 

As a side note, when I went through my account with the service rep checks are routinely sent timely and are posted past due.
Product: Payday loan, title loan, personal loan, or advance loan

I did not know about using my car as collateral until all the paperwork was signed. The guy never mentioned it on the phone either so I was in complete shock.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned! Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. This company is in violation of the law. Wells Fargo already settled with you for $ XXXX over consumer abuses. I am currently being abused! Please find attached document that further prove my claim.
Product: Mortgage

I have been trying to close this loan assumption with Mr Cooper Nationstar since XXXX. The buyer and I signed documents on XX/XX/XXXX and this loan is still not closed and the buyer is not able to pay.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I notified Dave inc through their customer support email address as per their policy and per Federal Requirements that 5 days prior to the due date of my loan that I revoked all authorizations to debit my account. I requested a paperbill for the remaining amount due be sent to my physical address on file with alternative methods of payment to close my account. XXXX responded trying to get me to avoid not doing so and I repeated in emails on the XXXX of XXXX at XXXX XXXX that the revocation be processed and then again at XXXX on the XXXX the revocation stands and then again on XX/XX/XXXX I followed up and stated the account should be closed and the revocation of their authorization to charge my account stood. On Friday, XX/XX/XXXX XXXX XXXX, debited my account for the amount owed after repeated emails revoking their approval. I have issued a notice of Violation of Consumer Protections to the company under the Electronic Fund Transfer Act ( EFTA ) and Regulation E by continuing to initiate unauthorized debit transactions from my account despite revocation of authoriztion.
Product: Credit reporting

TransUnion continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to TransUnion and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 my husband XXXX & I vacationed in the XXXX . Each morning the EURO rate was posted at the front desk. You then could calculate how much you would be spending each day. XXXX signed a few receipts ( MasterCard thru Citizens Bank ) with the " EURO exchange on the bottom of the receipt ''! Citizens Bank will not honor the exchange rate for the day. The MasterCard bill was astronomical. Why isn't the bank honoring what my husband signed his name to? They are known for no transaction fees or hidden fees. How did they arrive at that calculation for each day? 
PROBLEM : Exchange rate at hotel is different from Citizens Bank. XXXX also has a different rate for each day we were on vacation in Europe. 
3 different rates, please advise as we need assistance with this. XX/XX/18 telecom with XXXX supervisor XXXX for Bank. XX/XX/18 XXXX manager of credit dept. read from a policy on paper to my husband and the bank would not honor what XXXX signed for.
Product: Credit reporting or other personal consumer reports

American Express was included in my XXXX XXXX bankruptcy in XXXX. I withdrew it in XXXX. I tried to reach a settlement and never was able to get to the right department. 
Since XX/XX/XXXX They have shown write offs {$3200.00} every month. This practice will keep this on my credit report for an additional 7 years. I have tried to have the credit bureaus address in on more than one occasion and they do not. When I worked with XXXX a couple years ago American Express sent me a letter but it was about an account long closed. I have not been able to resolve this and it has negative impact on my reports which I have been rebuilding since the withdrawal and my divorce.
Product: Credit card or prepaid card

I have been a member of American Express since XXXX. In XX/XX/XXXX, they unilaterally reduced my credit limit by {$12000.00} - from {$19000.00} to {$7000.00} - bringing my limit within a few hundred dollars of my balance. The first time I used my card since XX/XX/XXXX was not until I traveled the first week of XX/XX/XXXX. When I checked into my hotel, my account immediately was over the credit limit, which shocked me. I did not receive notice of the reduction.I contacted American Express and the representative indicated communications would have been sent to me but has no record of a letter or email and they are telling me my time to appeal the decision has expired. I have no derogatory marks on my credit report, I have paid this trade line and all my trade lines on time since the beginning of my credit history, I have had no break in employment and my salary is over $ 200k annually. I rely on this card for travel. 

This reduction in my credit line has had a severe impact on my credit score, which has caused me harm because I recently applied for a mortgage pre-approval and was told my rate would be significantly higher because my credit score decreased to under 700. The practice of unilaterally decreasing a credit line by this substantial amount and so close to the balance is a unfair and deceptive practice, which has resulted in consumer harm.
Product: Debt collection

XXXX already got a judgement against me for this debt and now Halstead Financial is trying to collect the debt and mailer says its pre legal status as if theyre going to sue me again for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several hard inquiries that I observed on my Equifax credit report & after EQUIFAX completed their investigation, EQUIFAX mailed me a credit report confirming the inquiries I disputed were investigated and determined to be deleted from my credit report. Unfortunately I recently received a copy of my most recent credit report and observed that EQUIFAX reposted the hard hit inquiries that they told me were removed after their investigation was completed. This is a violation of the FRCA. EQUIFAX failed to notify me of the reposting. The following are the inquiries that were disputed and removed then posted again by EQUIFAX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, I am still waiting for EQUIFAX to remove additional hard hit inquiries that I don't recall authorizing because they have failed to provide me any documentation that confirms I authorized the inquiries and they are : XXXX XXXX XX/XX/XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

I also observed 2 hard hit inquiries conducted by XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX XXXX XXXX & spoke to XXXX ( I.D . # XXXX ) & was informed that Equifax was going to be contacted for the inquiries to be removed immediately. I am requesting confirmation from EQUIFAX that they were contacted by XXXX XXXX XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last 2 year to access my Experian credit report. I have been refused access to my report from Experian and when I have contacted Experian directly via phone they advise that I must sign up for services to be able to access my annual report. When I have tried to pull my report both directly from Experian.com and XXXX. On XX/XX/2018 when I called after having the agent first response your issue is due to " YOU DO NOT HAVE ACTIVE SERVICES. IN ORDER TO FIX THIS WE NEED TO SIGN YOU UP FOR SERVICES. '' When I requested to be transfer to the agent manager he disconnected the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.
Product: Mortgage

I made an application on XX/XX/XXXX for the Bank of America 's XXXX BOA XXXX XXXX XXXX XXXX XXXX XXXX ) to replace my current BOA ELOC on my residence on advice of my BOA branch XXXX. She made the recommendation because the new XXXX will provide me a similar loan at a more attractive interest rate resulting in savings. 
As part of the application I submitted our XX/XX/XXXX and XX/XX/XXXX IRS tax returns. When I asked XXXX I should provide any other documentation, such as XXXX, social security XXXX XXXX etc, I was told it was not necessary because BOA has all that information in their system. There was some other requests from different people at the processing center, but questions on our offshore income ( which is already on the XX/XX/XXXX/XX/XX/XXXX tax returns ) was resolved when I submitted XX/XX/XXXX FBAR I filed with XXXX XXXX XXXX. Please see the attached letter to BOA to get some more details on the nature of ensuing events. 
My application was rejected on the basis of " Unable to verify income '' ( please see the attached copy of this letter )
Product: Debt collection

I have had repeated phone calls from a phone number of XXXX claiming to be from Alternative Resolutions. I will not verify my social so they just tell me good luck in court lady! They will release no information to me without me verifying my social and continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these unauthorized inquiries to be authenticated ( A ). I will take legal action against you if you do not delet these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The company ( XXXX XXXX which is now Navient ) called me everyday, all day even after XXXX and harassed me about paying the private loan even though I have tried to work with resolving the issue in the past. I paid the company up until after I was XXXX and up until I had to file for bankruptcy ( from XX/XX/XXXX thru XX/XX/XXXX ) so they have received more than what the initial loan was worth due to the interest rate being above 18 %. They are now threatening to garnish my XXXX check and checking account. In the past, they found loop holes to say the loan was not federal but it was personal and then that it was private in attempts to prevent the loan from being discharged due to bankruptcy and/or hardship. I have paid them back more than the original loan plus penalty charges. I tried to settle with them in the past when I still worked and tried to get them to reduce the interest rate. All my other student loans with other places which totalled more than this one, were paid off due to the interest rate being at the normal student loan interest rate ( 1-3 % ). XXXX XXXX refused to lower the interest rate and gave me the excuse that the loan was a personal loan and the interest was high due to that. But when I filed bankruptcy ch. XXXX, they changed and said it was a federal loan. Then when I asked to have it discharged due to federal hardship, they first agreed and I filed the paper work. They then changed their standing again and said this was a private loan so it could not be discharged. Please help.
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 transferring 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

tried via mail on XX/XX/2018 and phone calls XX/XX/2018 to contact XXXX XXXX XXXX XXXX in XXXX XXXX with no results. No return information for me to verify and no account found. I check my XXXX credit report and a derogatory mark for {$170.00} is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay Enhanced Recovery Company has been a thorn to me for the last few years. They have neglected to validate the debt. Not to mention the inaccurate they reported
Product: Credit reporting or other personal consumer reports

I am writing to address several critical discrepancies and concerns regarding financial transactions with XXXX XXXX XXXX, identified through an extensive review of relevant legal statutes and financial practices. The outlined issues require immediate attention and resolution : Misrepresentation and Legal Compliance : Discrepancies observed in contractual language referencing the Treaty of Paris of 1783 and the classification of Americans as " citizens. '' Lack of clarity regarding the compliance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). 
Financial Transparency and Reporting : Inadequate disclosure of disaggregated revenue by customer type pursuant to IFRS 15.114 and 115.

Absence of detailed information in contract liabilities, remaining performance obligations, and unrecognized revenue, as mandated by IFRS 15.120 ( b ). 
Ambiguities in Contractual Clauses : Unilateral clauses and ambiguous terms such as " LATE CHARGE, '' " DEFAULT, '' " REPOSSESSION, '' and " YOUR RIGHT TO REDEEM '' demand clearer definition and explanation. 
Securitization Practices and Alleged Violations : Allegations pointing to potential conflicts between securitization practices and adherence to US bankruptcy laws. 
Accusations of fraudulent securitization practices and purported violations of federal statutes. 
Legal Matters and Procedural Concerns : Concerns raised regarding unauthorized signature use, creation of trusts without consent, and suspected manipulation of financial records. 
Lack of transparency leading to potential misinterpretation and misrepresentation in financial agreements. 
Request for Equitable Relief : Urgent request for suitable remedies, including subrogation or equitable relief, to rectify perceived discrepancies and injustices.

Moreover, the following legal references and specific concerns warrant immediate attention : Procedural or Remedial Law : Implications and importance of the Alien Tort Statute ( ATS ) and Alien Tort Claims Act ( ATCA ), along with concerns about Sale Proceeds Transparency.

Borrowers ' Rights and Legal Recourse : Rights of borrowers to ensure accuracy of credit bureau information post-repossession and redemption rights provided in certain states.

Identified Violations and Offenses : Violations encompassing the Glass-Steagall Act, Offenses related to fraud, Phantom Fees, Falsified Income or Asset Information, Misleading Loan Terms, Identity Theft, Coercion or Undue Pressure.

Specific Legal Acts and Their Implications : References to crucial legal acts including the Alien Tort Statute, Securities Exchange Act of 1934, Equal Credit Opportunity Act ( ECOA ), Fair Debt Collection Practices Act ( FDCPA ), and 16 CFR Part 433.

I earnestly request a comprehensive investigation into these legal concerns and financial discrepancies, adhering strictly to applicable laws and regulations. Timely resolution and provision of requisite documentation are imperative.
Product: Credit reporting or other personal consumer reports

I sent to all three credit bureaus for credit reports. Its been over XXXX months ago so I dont remember the exact date but I filed a complaint with you XXXX months ago. And Experian has still not responded. I thought it was a law they had to send me a copy of my credit report. Why cant I get my credit report from Experian?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Total XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX in which is subcontracted through XXXX, XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A. States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.