23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I paid off my vehicle loan as of XX/XX/XXXX. I received a letter the beginning of XX/XX/XXXX stating I could possibly have a GAP refund due. I contacted Ally it find out the details beginning of XX/XX/XXXX, at that time the representative did inform me there was a refund due however they were unable to provide me with the details on the amount but I should be receiving the refund within 45 days from payoff. After not receiving any refund via mail I contact Ally on XX/XX/XXXX, upon speaking with a representative she informed me the refund was mailed out XX/XX/XXXX & if for any reason I have not received payment within 2 week to give them a call back. As of XX/XX/XXXX I still had not received my refund due, I called Ally to inform them & was told I need to wait until the following Monday to request the check to be reissued. On Monday XX/XX/XXXX I contact Ally to request the refund check to be reissued, the representative advise me at that time that it would take a 2-3 days for my request to process & the check to be mailed out. At that time I request additional information on the prior check to be sent via mail or email to me for documentation. I have several issues prior with mis information so I documentation. As of today XX/XX/XXXX I have yet to receive any detail on the prior check mailed out & have yet to receive my refund. I reach out to Ally who informed me that my refund has not been reissued but couldnt provide me a reason as to why.
Product: Checking or savings account

i already made a complaint with my bank for XXXX  XXXX  not going thru with there end of a transaction the total was XXXX they on gave back XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a collection on my credit report which has a original balance & past due balance showing which is going against consumer credit report Also showing activity on the account after the account has been in collections and reporting inaccurate information to the credit bureaus Also reporting dates are inaccurate and 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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: Credit card

XXXX. I applied for this Citi AAdvantage credit card, Which has a annual fee of {$590.00}. 
XXXX. When I received the card, I didn't activate the card knowing I no longer need this card. 
again repeating I didnt activate the card. 
XXXX. After 60 days I received a call from the citi back saying I have past due and What I have found out the annual fee is charged with another charge to the credit card which i disputed as the card is never activated. 
XXXX. When i talked to citibank further I was advised that they will close the account and the annual fee will be waived for which agreed the account is closed. 
XXXX. The citi bank still claiming annual fee for a not activated and closed account with interest and other fees. 
XXXX. I lost more than XXXX credit score points due to citi bank reporting to credit reporting agencies and calling me and harassing.

Please help.
Product: Debt collection

incorrect information, incorrect social security number and then when tried to fix or communicate my social security was added without my consent. tried to resolve it then when resolved it was resold and placed back on my credit. fraud. Wrong cellphone number, wrong legal name, wrong employer.
Product: Mortgage

Depending on timeframe I had multiple issues. First I applied for mortgage refi during Obama, and they took my payments and put them into escrow while letting me go into default without me jnowing. I kept getting notices that I was not making payments but I really was. After months of notices, I figured out what they where doing, and pulled all savings to and pulled that escrow back into getting my loan up to currently. Destroyed my credit. Then I twice tried to refinance and was jacked around for months each. Each paying a fees to see if I qualify which I lost. Then just months later, they call me out of nowhere and want me to refinance. I didn't know what was going on.
Product: Credit card

Ive had an account with Chase bank in the form of a Chase Freedom Flex credit card. On XX/XX/2023, I got a notification that an application for a new account was approved, even though I never submitted an application or signed up for any new account. I was sent a new Chase Freedom Unlimited card in the mail shortly after and realized this account was negatively impacting my credit score. I called the bank on XX/XX/2023 to close the account and ask how this account was opened without my knowledge. The women on the phone was rude and said I most likely accidentally pressed a button or the like. This is impossible as I would have had to input more information in order to submit a credit card application. She said there was nothing she could do to remove the account from my credit report since they dont open accounts without a customer signing up. I never requested or signed up for this new card and now Im having to go through the process of closing and disputing it from my credit report.
Product: Vehicle loan or lease

credit/purchasing { financing lender } in Florida. SAFCO. Purchased in XXXX occasional insurance changes but SAFCO would slap on their insurance. In XXXX I had a major car accident, totalled the car. Have pictures. I called several times speaking with two gentlemen, and two women. the last person was a woman. I only worked with Florida office.No response. I became very ill and was XXXX XXXX I am a XXXX parent ), 4 times this year. this car was double insured. I called the first insurance but finally got a response, they said I was dropped. then tried calling SAFCO, and left messages for SAFCO, the car is just sitting. I will file and check with the IRS for Fraud because they never gave me a 1099C on this vehicle. Please help me clear up this mix-up. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted representatives from the following entities, XXXX and Bank of America. 

I received confirmation from both creditors that it would not face negative consequences due to COVID19. As you may be aware, NY was under quarantine for over 2 months which has prevented an steady flow of income. Both representative advised me that the only thing I should be aware of is that the balance would still accrue interest throughout the payment deferral. 

Unfortunately, these representatives did not stick to their word and now my credit has been impacted severely. If that was going to be the case, they should have CLEARLY advised that. I have accounts with other creditors who had advised me the same and there are no derogatory remarks on those accounts. 

As a resolution, I would like Bank of American and XXXX to remove any derogatory remarks from my credit report. 

According to the Fair Credit Reporting Act, it is absolutely necessary to report my credit information in a fair and accurate manner. Due to the misleading information provided by the creditors, I urge that this be implemented as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have incorrect account information on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Debt collection

Ally Financial called my father and sister to tell them they were looking for me, after speaking to me on the phone and receiving a payment towards my debt. 

I spoke to Ally on Monday, XX/XX/XXXX, at XXXX. On Wednesday, XX/XX/XXXX, we made a payment toward the debt. Since then, theyve tried calling me two other times, and, because I was at work and couldnt answer the phone, Ally proceeded to call my father and sister, under the guise of looking for me. 

This blatant harassment will not be tolerated. Ally was not looking for me - these calls are a form of public embarrassment and slander, given that were still making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my Experian credit report. Despite my previous contact with Experian on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXX XXXX IN. XXXX Account Date Opened : XX/XX/XXXX Balance : {$450.00} The XXXX XXXX IN. XXXX account listed on my Experian credit report requires examination due to incorrect reporting. The reported balance of {$450.00} appears higher than what I recall. As Experian has marked this account as closed, the past due amount should not be provided. I intend to address this issue directly with the creditor, but I request that Experian mark the account as disputed during this process. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} ThXXXX XXXX XXXX account listed on my Experian credit report was never late. I kindly request Experian to correct and update this inaccurate information accordingly. 

XXXX XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7400.00} The XXXXXXXX XXXX  account listed on my Experian credit report incorrectly indicates a late payment. I request Experian to remove the late payment designation from this account.
Product: Credit card or prepaid card

I was a victim of an unauthorized credit card charge of {$1400.00} on XX/XX/2023 but Wells Fargo bank will not deduct the charge from my credit card account. They denied my claim despite federal credit card protection law, The Fair Credit Billing Act. I have called them several times to remedy the situation but they have not removed the charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting charge offs and written off on my credit report according to XXXX. For that to happen I should have received a 1099C. I am requesting a copy of the 1099c filed by this company. Technically XXXX is reporting fraudulent information. And the law insures that all my information should be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX - {$20.00}, XXXX XXXXXXXX XXXX - {$91.00}, XXXX XXXXXXXX XXXX - {$110.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX insurance indicating my personal info was stolen.
Product: Mortgage

I am the court-appointed, non-compensated plenary guardian for a XXXX XXXX XXXXXXXX XXXX XXXX veteran. His mortgage is with Wells Fargo. For nearly XXXX YEARS, Wells Fargo has failed and refused to recognize the court order. I wanted to pay off the mortgage in XX/XX/2020 but WF would not speak to me. WF has added over {$12000.00} to the mortgage in fees and costs that they would not have incurred had they communicated so it could be paid off ( BTW, the mortgage is at 8.34 %! ) ..that is 40 % MORE than the balance at the time I wanted to pay off. 
I have faxed, e-mailed and postal mailed all the big shots I could find at WF, but to no avail. They simply ignore the court order. 
In the meantime, WF has filed a foreclosure action ( they have not effected service ) and continues to send me XXXX packages of information, essentially telling me that they will not do business with me. 

I could sue ; however, why spend THOUSANDS of dollars and have WF spend THOUSANDS of dollars and then pass those expenses on to other WF customers. 

Each time I talk with them on the phone, I find out they have lied. 
With each letter, I am learning that they are lying. 
I find documents that appear to be back dated and signatures that appear to be forgeries. 

Now, I doubt that the big shots are lying, forging documents, etc., but it is going on with nearly every communication. 

I am ready and willing to issued a check to pay off XXXXXXXX XXXX property at a reasonable rate. 

The mortgage is in the name of : XXXX XXXX XXXX XXXX the property is XXXX XXXX XXXX ( a single-wide house trailer XXXX XXXX XXXX ) XXXX XXXX XXXX Florida XXXX Account number XXXX I can use some help Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I started this dispute in XXXX and was just now notified of the results. Equifax is not allowing me to log back in because apparently the information I provided does match to my file. Even though it did less than 3 hours ago when I logged in the first time. They obviously did not investigate properly or the results would be accurate. This particular account with XXXX XXXX was settled in XXXX. I have had so many unnecessary problems with this company it's unnerving. I have been trying to clean up my credit by paying off accounts so I can provide a nice home for my family and Equifax has been thwarting my efforts out of what seems to pure laziness. Pictures of the paid account and their " investigation '' results are included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I am writing to express my deep concern and frustration regarding the lack of response to my previous complaint about false information on my credit report. I initially submitted my complaint to your office on [ XXXX XXXX XXXX XXXX XXXX, outlining the inaccuracies in my credit report and my legitimate concerns about the potential mishandling of my personal information, especially in light of the TransUnion Data breach. 

According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that any refusal to investigate allegations of inaccurate information within 30 days is grounds for the immediate removal of said allegations from the credit report. Given that it has now been more than 60 days since my initial complaint was submitted, I find it both distressing and unacceptable that no action has been taken to address these concerns. 

The false late payment accounts that are currently reported on my credit profile are causing substantial distress and hindering my ability to access fair financial opportunities. It is my right as a consumer to have accurate information on my credit report and to be treated in accordance with the laws that protect consumers ' rights, such as 15 U.S. Code 1681i ( e ) ( b ), which mandates timely and appropriate actions to rectify inaccuracies. 

I believe that my complaint is being disregarded, and this situation leaves me feeling victimized by the credit reporting system. I demand that immediate action be taken to investigate and resolve the inaccuracies on my credit report, as well as the removal of any late payment accounts that are the result of these inaccuracies. Furthermore, I request that the TransUnion Data breach and its potential implications on my personal information be thoroughly addressed. It is concerning to consider that my sensitive data XXXX have landed in the wrong hands, and I expect your office to take this matter seriously and provide me with the necessary assurances. 

The TransUnion Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to KOHLS/CAPONE for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed immediately.
Product: Debt collection

I was an included in the XXXX breech and identity theft prior to the breech. 

I am promised accuracy in my report based on federal law. I am filing this complaint as another attempt to have these errors corrected on my report.

Under 15 U.S.C. 1681 all errors must be promptly removed.

XXXX XXXX XXXX consumers must be given the option to opt out of such offers ).

As you can see in your system you can not verify and validate this information so I request that you remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A validation of debt letter under Fair Debt Collections Practice Act was sent to LVNV Funding LLC but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from LVNV Funding LLC is considered fraudulent and invalid. I also attached a copy fo the certified receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

In my attempt to raise my credit score ( and get a home loan ) I discovered that Comenity Bank/Bread Financial had not reported my account payments or balance to any credit Bureau in over 5 months. It appears the last report they submitted was at the beginning of XXXX. It was in fact, just after a missed payment, leading to a drop in my score of over XXXX points. Since then I have worked diligently to pay off the remaining balance of the account ( currently {$0.00} ). But the account still shows up on my credit report with an outstanding balance of nearly {$4000.00}. I reached out to their Customer service call center and recieved no assistance. XXXX, the XXXX memeber that I spoke with, attempted to find and send me an official letter stating the current standing of my account. I never recieved that letter. Next I reached out through their online message center, where I clearly outlined the situation. XXXX XXXX, the representative that responded, completely dodged my request and said that they are not able to report the information because of a " recent system update ''. 

Call to Comenity XXXX XXXX XXXX XXXX XXXXXXXX, XXXX minutes, no result. 
Email to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, response unsatisfactory. 
Call to CFPB - XXXX XXXX, XXXX XXXX Directed me to this complaint system, very helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  XXXX concerning said debt. 
XXXX XXXX attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.
Product: Checking or savings account

XXXX denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof and/or violated policy of the Uniform Comercial Code c/o negotiable instruments and/or credits. 

Note : The applicable credit/debit card no. is listed in this report as account # XXXX TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Product: Credit card

I HAVE A CARE CREDIT CARD. I WAS SUDDENLY CHARGED {$240.00} IN INTEREST ON A BALANCE OF ABOUT {$450.00}.