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

Navy federal is reporting to all 3 credit bureaus that I have a charged off credit card in the amount of {$6500.00}. I requested that they provide me with the 1099c form due to the debt being listed as charged off. Since they wrote the debt off as profit & loss this debt can not be legally reported to any bureau. This would be liable cause for a lawsuit of statutory damages for reporting inaccurate information on my credit profile.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A fraudulent XXXX transaction for XXXX USD appeared on my Chase checking account on XX/XX/2023. I filed for fraud with Chase on XX/XX/XXXX, and was given a temporary credit of XXXX to my account. The claim was then denied, and the XXXX credit was reversed on XX/XX/XXXX. I called Chase fraud center on XX/XX/XXXX to ask why, and they said it was because they had no evidence to suggest it was fraud, end of story.
Product: Credit card or prepaid card

The TJX Rewards Mastercard credit card offered through Synchrony Bank features the opportunity to earn {$10.00} and {$20.00} paper or electronic reward certificates when making purchases anywhere with the card and the opportunity to redeem the certificates when making in-store or online purchases at TJX companies. I have all paper certificates and I retained them so as to maximize their value when making large dollar purchases. Nowhere on the certificates does it say there is a limit on the number of certificates that can be used when making a purchase. The only limitations which are material to this complaint are the 2-year expiration date and the forfeiture of the balance of a certificate 's balance if the purchase price is less than the face value of the certificate. 
This complaint concerns the apparent inability to redeem more than one certificate when making an online purchase. I would like this complaint to be brought to the attention of the CEO of TJX Companies. Last night ( XX/XX/2019 ) for the second time I tried to use multiple certificates but could not. Due to the nature of the site, i.e., it attracts bargain hunters, and the lack of evening and weekend ( or holiday ) customer service, I wanted to be sure I could receive the merchandise, so I completed the purchase without using all my available certificates. I would like to be able to redeem the certificates after consummating the transaction. The value of the transaction after the deduction of one {$20.00} certificate is {$150.00} and the order number is XXXX. As I alluded to above, this is not the first time this inability to maximize the number of redeemable certificates has occurred. The same thing plagued prior orders. In addition, order number XXXX had another issue which is still not resolved, let alone addressed by TJX Companies. That issue concerns the sale of a facial device for which its reconditioned status was not disclosed in the marketing materials or at the time of sale. Correspondence was sent to the company in XX/XX/2019, but no response or even acknowledgement has been received.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of Mazda Financial Service on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash from me. The finance charge is suppose to include insurance, but XXXX XXXX of Mazda Financial Services made me purchase my own insurance separately. XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. 

Mazda Financial Services has unlawfully collected 11 completed payments from me on behalf of this alleged debt. Mazda Financial Services has attempted to harass me via phone regarding this debt. Mazda Financial Services has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Mazda Financial Services an opportunity of notice to settle these violations civilly and in accordance with federal law. Mazda Financial Services response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt nor consent to the now void contract therefore Mazda Financial Services must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I received a phone call from XXXX XXXX XXXX  - phone number XXXX. Call lasted 1min 59sec. 

Person on the phone told me that are calling from XXXX XXXX XXXX  and they are not trying to sell me anything, they just want to send me some information about high interest debt. I told him I don't need anything and don't need to refinance. He said he knows as he can see I am locked into a great rate. He knew my name and address and obviously my phone number. He asked he only wants to send me information and needs to confirm my email, I said fine. He said his manager may contact me in future. 

1- hour later there was a HARD Credit Inquiry on me. As well as on on my Wife. 

Neither of us authorized this or apply for anything. 

Inquiry is from : XACTUS-CP Address : XXXX XXXX XXXX, XXXX, MD XXXX Comment : Real Estate on behalf of XXXX XXXX XXXX XXXX XXXX 

quick search on google regarding XACTUS-CP shows that is what they have been doing to countless consumers, XXXX  review , XXXX  complaints its all over. 

Yet nothing is done about this company frequently running unauthorized Hard Credit Checks on consumers. 

Please take legal action, XXXX if not XXXX are affected by this companies illegal actions. 

How can they run Hard Credit checks on anyone without authorization? 

The company is - XXXX XXXX XXXX I have called them and they said send an email with Name, Address and DOB to their email XXXX, Which I did. I have not heard back. Apparently this is their normal business as the were not concerned and said send an email. 
Quick XXXX search on their name, reviews and XXXX XXXX XXXX complaints reveals many many others affected by them in the same manner.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of an Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. List all the account names and negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX XXXX failed to report last known delinquency again!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank account that said they are trying to be Opend XXXX with wells Fargo in which I never went to try and do and XXXX with XXXX that says I'm late on payment but never done anything with XXXX for payments
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, I, XXXX XXXX, Consumers went to the Ford dealership at XXXX XXXX XXXX XXXX to extend my credit to purchase a vehicle, however, my credit application has been denied and I dont know why and need an explanation of why I was denied credit by Ford .
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T bank is showing ( 30 ) days late on a payment that was attempted to be made on several occasions. Each time I spoke with a representative from the bank, they told me they were having computer issues and that they were not able to process the payment. The bank does not have an automated system and my wife always asks to speak to a representative to make a payment on the phone. However, during the 3 attempts to make a payment the bank told my wife their systems were down still. The woman representative my wife spoke with told her she didnt know when the system would be working but to have her call back. We finally got through to make a payment, but by the time we were able to get help from the representative, the payment reported late by this time. The woman representative was able to take the payment over the phone and she said she would make a note on the computer that this payment was in fact NOT late and that it would not go on our credit report because it was no fault of ours that the bank does not have an automated payment system and when we finally got to speak to a representative it was several days later. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian, XXXX  and XXXX  on XX/XX/2020 reference to an inaccurate/erroneous item on my credit file that was being reported illegally. In XX/XX/2020 Experian and XXXX  contacted me stating that they have completed their investigation and the item was not deleted as requested by me but instead updated. Based on FCRA 611 ( a ) ( 2 ) ( B ), They are required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. I did not receive such information none of the bureaus used for their investigation as required by FCRA 611 ( a ) ( 7 ). I made a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by each bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with in XX/XX/2020. Instead of being deleted as requested the item was marked updated and in fact wasn't updated at all as the account is stating opened reporting negatively when I have documentation showing the account is actually paid in full and closed. I am requesting the item to be deleted from all three credit bureaus for I've had the same investigation issues with all three. Due to lack of investigations not being done properly. I have made several attempts to work with all three credit bureaus even the account creditor XXXX whom i am a victim of their current settled suit due to inaccurate credit reporting. XXXX instructed me to call each bureau to dispute the account to remove it but Experian failed to investigate properly under FCRA 611 ( a )  same as XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter I received from Experian credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX has corrected these items and received confirmation to delete off my report but Experian is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get access to my.equifax.com. I have gone through all the steps they have asked me. Including faxing proof of who I am ; proof of my account. I have spent hours talking to the agents who can not allow any access to my account or reset of my login information. I can not unlock my credit report to allow banks to see my credit for other lines of credit and home mortgages. As such I have not been able to receive these lines of credit. 

equifax withdraws XXXX monthly. I can not quit my account. I can not access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I checked my credit score on Experian mobile app, my credit score was XXXX. On XX/XX/XXXX, I applied for a XXXX XXXX XXXX credit card. It was approved and received a {$5000.00} credit limit. 
On XX/XX/XXXX, I received my new credit card. It had some documents with my credit score, it showed XXXX ( source used Experian ) It doesnt make any sense. How could I get this corrected? 

Thank you for your time. 

XXXX
Product: Credit reporting or other personal consumer reports

On-and-off for over year, I have not been able to login to my account at Equifax. I was able to login 5 months to freeze my account and update my personal contact information at my end. Since then, I had resorted to contacting customer service at Equifax, and was prompted to answer security questions. None of the security questions apply to my credit file, so I was not able to log in with customer services. 
As of today-like the past 60 days, I was able to login by myself ; once more none of the security question apply to me. And from the broken English representative in the past ; I had to unlock my freeze at my end. Please advise, I will contact FTC, XXXX XXXX in addition to CFPB.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfers

XX/XX/XXXX@XXXX. My old Western Union account was compromised. I had n't used this account since XX/XX/XXXX. Someone stole my information and made several money transfers to XXXX, XXXX XXXX. I spoke to XXXX at Western Union and told her I never made these transactions and she told me not to worry about it, it 's just a spoof. I demanded to be transferred to a supervisor. XXXX ( employee number XXXX ) told me my account had indeed been hacked and my information and my son 's information was used. My name, address, social security number, telephone number, my credit card number, my son 's name XXXX XXXX and his old telephone number XXXX XXXX. Per XXXX, XXXX XXXX used a passport to pick up the money and he has a credit card in my name and transferred money. XXXX would n't send me a fraud email because it 's against Western 's Policy. He provided me with a fraud number. I 'm displeased with Western Union for the simple fact they downplayed their hacking issue. XXXX told me only my Western Union account had been hacked and he would suspend the account. Since then, someone has created XXXX accounts and charged services in my name. All my information has been compromised and people are charging items, applying for credit cards, and sending money/transferring money. This is fraud. I did n't authorize the use of my information, my son 's information, or any transactions.
Product: Checking or savings account

I have not been able to access my USAA banking statements or accounts since XX/XX/23. 

I lost access to the enhanced logon to my account, which is, in addition to a logon and password, a secondary authentication method of verifying my identity. When I called USAA on XXXX, USAA insisted that I needed this enhanced logon in order to speak with an account recovery specialist. They asked me to upload my identification to a USAA website : XXXX. I uploaded a high resolution photo of my passport on XX/XX/23, and the website confirmed it was sent. They told me it would take XXXX to XXXX hours for a phone call from USAA. USAA did not call. 

I called again on XX/XX/23 and XX/XX/23. They asked me to use the website ( USAA.com/verify ) again to authenticate my identity. I submitted again. I still have not received any contact from account recovery services. Nearly week after my initial phone call to USAA, I am not certain I will be able to move money from accounts to pay bills. And because my statements are online, I do not have access to my statements.
Product: Checking or savings account

XX/XX/2024, I went to an all-points ATM, which are within the ATM system designated for alliant, I asked to withdraw {$200.00} of the {$200.00} in the account, But was declined. I then asked for {$100.00}, was approved, I then tried to remove the last {$100.00} from the account, and was again declined. When I called the bank they said there was a fraud case open, but when speaking with the fraud department, that was confirmed inaccurate. So it would seem that my bank is refusing to allow me access to my funds, and has no explanation for why.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so the did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Vehicle loan or lease

Santander USA is the worst company in the world. I have been forced to pay a car I never drove. I went to a XXXX dealer to finance a car and asked them for a black. After signed papers work they delivered a red car. I called santander and they told me they couldn't do anything to return the car to the dealer but they could take the car and sell it for me and pay it off. We agreed that it was not gon na affect my credit. After they picked up the car they started reporting charge off on my credit. And when they picked up the car they asked me to not make any payment before they sell it. 3 month later I received a letter stating they sold the car for less than the value and I had to pay the difference that was {$10000.00}. We agreed i had to pay {$5000.00} and they was gon na keep my {$3500.00} down payment, my wareanty refund and my gap insurance refund. Everything together was more than {$10000.00}. 1st they broke our agrement, 2nd they messed up my credit and now they're reporting the account is paid for less than the amount own. 
I'm looking for to bring santander in court but don't know how. To everyone, if a dealer try to give you a car loan through santander be careful because you will be disappointed at the end. The worst bank ever
Product: Vehicle loan or lease

Look on my credit report and I see I had a previous account open with XXXX I filed an Identity theft report with the local police department and submitted all the information over to the credit bureau but XXXX refuses to remove the theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied by ChexSystems multiple times in the last 2 years as I have tried to establish a bank account in my new state. I have never had this problem with any effort to establish a new bank account before. I have fine credit ratings and no red flags. The reason given is that my SS number was available for issuance before my birth date. However, the SS agency can only verify my SS status by providing evidence through my SS card. I went through the trouble of getting a new Social Security card to prove that my SS # has no problems, but there is no medium through which I can submit this to ChexSystems to dispute the denial. 

I have never had a problem with establishing new bank accounts or financial institutions in any way before - ChexSystems has incorrect information and internal errors ( obviously not based on any concerns at the SS office or any previous bank ) that have cost me many many hours of my time trying to rectify this information. 

ChexSystems has no customer service options - no person to talk to through their phone number, no chat, and no email to write. Fax is completely insufficient in this day and age. 

ChexSystems has also established some sort of monopoly with all banks, and so I have no options to avoid their erroneous information and claims by pursuing another service provider.