23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I bought a 4 wheel alignment from XXXX on or around XX/XX/XXXX. The merchant was named " XXXX XXXX XXXX XXXXXXXX ''. On XX/XX/XXXX I went in for the service. They took my car back and I waited for 2 hours during which no one came up to me. The manager viewed/redeemed my voucher after those 2 hours, while still not providing an update. About 20 mins later, a technician came up to me to say that they didnt do the 4 wheel alignment because the back was too hard for them and that I needed parts changed. Again no one told me any of this during the 2 hour wait or before they redeemed the voucher. I was told the only way Id be able to get the full 4 wheel alignment I had already paid for was if I came to them and only them for new parts which would be XXXX $ +. Only then would they do the full alignment. I paid for a service that was not done, my car is still pulling to the right and shaking even worse than before. I was told the only option for me to get the full service was to come back to them within 30 days and spend more money. I first contacted XXXX on XX/XX/XXXX for a refund. I went back and forth with them for nearly a week, during which I spoke to at least 5 different agents who were obviously copying and pasting generic responses, without actually reading my complaint. My issue was finally escalated on XX/XX/XXXX to a supervisor named XXXX XXXX who stated that since the merchant marked the voucher as redeemed they can not process it on their end but I can contact my financial institution and they will assist/cooperate in anyway so that I am refunded that way. I submitted a dispute with Wells Fargo on XX/XX/XXXX referencing the subject XXXX # XXXX Refund which correlates to the email thread I had been communicating with XXXX on. I received a provisional credit of {$82.00} on XX/XX/XXXX from Wells Fargo, claim reference # XXXX. I never got any type of correspondence from XXXX or Wells Fargo after that, until XX/XX/XXXX when I saw an {$82.00} credit reversal pop up on my account. I called WF and they informed me that at first XXXX had been cooperating with their investigation but then they suddenly refused to pay out the claim giving the same generic reasoning I had been given via email. Although I provided a computer generated diagram from the auto shop showing that my alignment was not done. I was instructed by Wells Fargo to contact XXXX again because the claim was closed/denied on their end. I followed up with XXXX for an explanation on XX/XX/XXXX. I again went through the saga of speaking with multiple agents who either refused to help or kept replying with generic copy and paste messages. My issue was again escalated to a supervisor named XXXX XXXX on XX/XX/XXXX who again sent me the same exact message I had received from other agents. Although they claimed in their response that I can reply back with any further concerns or " let them know how they can be of further assistance '' my reply on XX/XX/XXXX was ignored and my subsequent follow up on XX/XX/XXXX has also gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. XXXX XXXX XXXX has single handily kept me from getting into a new home! Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for pre-approval offer thru capital one quicksilver one card. After verifying my information I was informed that my application would automatically be declined because I have a fraud alert on my report that does not have a number listed to verify. After verifying my current phone number with an agent I was informed that application will still be denied and I would have to reapply after having credit freeze removed from file. This would cause my report to suffer to 2 inquiries and more points deducted from my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial, charge me for opinions products, making my loan higher than what I originally expected to pay back, I bought this up to the company when I seen the charge and they said theres nothing that they can do since I already signed! So now its on my credit report I cant get another loan from any other company because of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted XXXX, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX  XXXX AND XXXX. I HAVE REACHED OUT TO XXXX, XXXX AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and XXXX  if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX  or XXXX of the dispute. XXXX is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft the following inquiries are unauthorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Product: Debt collection

I was talking to a representative XX/XX/27 at XXXXXXXX XXXX to negotiate my debt. He then threatened me once I said I would have to reschedule the call. He threatens to sue me and garnish my wages if I didnt pay. I am not afraid to call them back because he was so hostile towards me.
Product: Debt collection

I had a contract with XXXX about a rental vehicle. After I returned the vehicle, I discovered that I was charged an amount over 10 times greater than what was on the contract. I called my credit card company and told them to return my money as the XXXX representatives insisted on fraudulently and illegally keeping my money despite there being no contractual basis of doing so. I was given the money back by my credit card company and the XXXX representatives then wrongfully generated an account for me with the amount of money that they criminally established. I was later contacted by the debt collector agency First Financial Asset Mgmt and they insisted that this debt was completely valid. When I requested proof knowing they had none, they sent nonsensical documentation of the falsified amount in the account generated that I mentioned above and claimed that was " verification '' of this fraudulent debt. I told them over the phone and via letter repeatedly that there was a contact established and they are collecting an amount that I do not owe per contract. They consistently harassed me for this amount that I do NOT owe and even attempted to conjure an arbitrary monetary offer ( that was still far outside of the contract established ) in a manipulative effort to provide me the " opportunity to resolve '' this debt. They continue to harass me by trying to collect this fraudulent debt yet have not demonstrated a legal basis in which I am bound to pay as I am visibly not required to pay anything out of contract, let alone for a service I did not receive.
Product: Credit card or prepaid card

I have my XXXX XXXX card statement & XXXX XXXX secured account statement with deposits of {$1400.00} & an ending balance of {$1300.00}. An amount of {$1200.00} was reflex as my new balance and on my statement its says that my balance was scheduled to be paid on XXXX using my funds in my secured account. I have called Chimed multiple times on this matter trying to get an understanding on how, & to who my credits was paid to and they havent yet to inform me. I was uninformed about the secured agreement automatically making payments using my secured account to make payments due on my account well since I disabled the feature and now making my own payments due I have funds in the secured account & made a payment of {$25.00}. Chime couldnt tell me where the funds was going when I made payment from my secured account and when I asked about the {$1200.00} payment made from secured they still couldnt provide the information, now Im competent and understanding. Chime has credited my account never and I been using my credit since XX/XX/XXXX and have statements to prove so. The supervisor Advised that my funds I deposited were held in my secured account to make payments due but when I made purchases on my card the fund was debited when transactions occurred. I now have {$700.00} in my secured account before I paid out {$25.00} to see exactly where the funds go and Chime XXXX XXXX couldnt tell me where.Me knowing law a deposit is a unpaid balance due and Im now competent enough to know I have some unpaid credit payments due and Chime, XXXX, or XXXX neither have paid any credit due to me. I want to know where exactly my funds that been paid from my secured account go. Also I demand a refund from all transactions paid out by my securities in account that wasnt needed to cover any transaction made because I deposited my money to cover all transactions made on my credit card. I attached proof of unpaid credit due and it shows payment been made on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and charge off. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiries : 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 reporting, credit repair services, or other personal consumer reports

I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX XXXX XXXX  CNAC reporting inaccurate balances XXXX XXXX My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live
Product: Credit card or prepaid card

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY JPMCB CHASE CARD # XXXX. The dates were XXXX, XXXX XXXX, XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of a business transactions and this late mark is preventing me from REFINANCING my home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently fully current yet the late marks are killing my credit score I could use some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX.
Product: Credit reporting or other personal consumer reports

account under XXXX XXXX  was to be removed as of XX/XX/year> all along due to first dt of delinquency is past 7 years and the repossession has not been removed
Product: Credit reporting or other personal consumer reports

These companies reporting on my credit report I've never conducted business with, so I made a 605 ( B ) -identity theft complaint and requested the agreement contracts FCRA 15 U.S.C . 1692 and did not receive those documents. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VIOLATION OF FCRA 609 ( a ) THIS DOES NOT PROVIDE ACCURATE AND NOT CLEAR DISCLOSURE OF ALL INFORMATION IN MY FILE -Unverified Account/ NO CONTRACT 15 U.S.C. 1692 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat

to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts. There are also unverified late payments posting on some accounts that according to FCBA 1666b
timing of payments, that I never received the period statement 21 days before payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : BANK OF AMERICA I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
Product: Credit card or prepaid card

I have tried on several occasions to get a lower APR for unexpected medical purposes, XXXX XXXX. I was referred to XXXX which informed payment would be higher or the same. I sent several correspondence to CEO and Executive who refuse to help. I have always paid on time and now having some difficulties. They are charging XXXX monthly and taking XXXX in interest and only applying only XXXX to principal. My statement says if I only pay minimum per month theyre gain is over XXXX in interest and would take 40 years to pay which would make me XXXX XXXX XXXX I was also told that I went off payment plan which had 1 month remaining, however I did not tell them to take me off. I informed them to take it off only if another plan was open. I asked for an extension in order to deal with my medical issues. This is my discover card which refuses to help. I have several emails I have sent but dont know how to attach them if u would sent me email to XXXX I could forward all correspondence to you.
Product: Credit card or prepaid card

I received a debit credit card without my consent. It has my name on the card with a full account number. Documents state that whatever information I provide theyre allowed to use, social security number, payment history, account transactions, etc. when I call the customer service number to cancel and find out how I received this card it immediately asks for my social security number which I wont give in order to activate the card. I can not speak to a live person and theres no way for me to cancel or find out how I received this card in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.
Product: Mortgage

As of today XX/XX/XXXX an according to XXXX XXXX in the " ombudsman '' office which is an internal department of SPS, Select Portfolio Services has not processed the Deferral Agreement that I  signed and was received by SPS on XX/XX/XXXX and the loan continues to negatively report on my credit although I have paid the payments we agreed to on time. Select Portfolio Serving told me that it would be report current in the beginning of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/XXXX, as of today Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX XXXX  XXXX  XXXX not mine XXXX XXXX  XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the Equifax data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXt 7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX Bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

I was called 37 times from phone number XXXX, a number of Navy Federal Credit Unions,  between XXXX to XXXX on XX/XX/2018. This is excessive and abusive.
Product: Credit reporting or other personal consumer reports

I filed a dispute due to accounts opened fraudulent.. they denied to follow up with the investigation, I was notified that CFPB has filed a lawsuit against the company they alleged the company of accepting unreliable information, failure to notify cosumer Dispute results, this aligns well with my situations, experian has not attempted to remove or correct any information, Im requested all derogatory marks and hard inquiries that I did not agree to to be removed or corrected immediately, it is affecting me XXXX XXXX XXXX XXXX XXXX ) of gettn a home, car and anything else we need I WOULD LIKE ALL REPORTS TO BE REMOVED IMMEDIATELY THANK YOU
Product: Debt collection

I 've received 3 calls in the past 24 hours from various individuals at a company called Convergence. They are asking for my husband, and have been extremely aggressive and belligerent when they do so. They refuse to identify themselves or disclose why they are calling us. Each call has quickly escalated to a very unpleasant exchange. The calls have become a nuisance.
Product: Student loan

XXXX XXXX, who is now Navient, harmed my student loan when I did a repayment status. They steered me towards several forebearances throughout the life of my loan. They also gave false information
Product: Credit reporting or other personal consumer reports

I contacted XXXX  directly about the late payment reporting. the first rep removed the incorrect late fees. The 2nd rep refused to honor the corrected info on my credit report, he stated that I needed to contact the credit bureaus instead to have the late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Iv contacted the company on XXXX XXXX after they contacted me and again on XX/XX/2024. Still nothing. Its been well over 30-45 since I first contacted them about the debt.
Product: Debt collection

I sent letter on XX/XX/21 certified receipt # XXXX it appears it was received on XX/XX/21. Caine and wiener is not license to collect debt in the state of Florida. They have NOT responded to MY COMPLAINT so I went on XXXX  document and I ALSO NOTICE THERE WAS NO NOTICE OF DISPUTE PLEASE REMOVE THIS ACCOUNT INSCREEN RECORDED MY XXXX  REPORT showing no notice of dispute.
Product: Mortgage

I have tried and done everything in my power for PRMG not to continue charging me the PMI since I got to 80 % LTV, I'm now on 72 % and they just turn their eyes away and don't do anything. I understand this is illegal.