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

I will be the first to admit I've had problems making timely payments and have received assistance before. However, COVID brought about an entirely new set of issues when I was first furloughed, and then diagnosed with XXXX. After a long period off and many days not even being able to work, I am finally back to work and able to maintain payments again. Bridgecrest set my car for repo last month. I paid {$320.00} at that time and my wife was told over the phone that after the {$320.00} was paid that we could work put a payment arrangement for the past due. That never came to fruitition and once again this month my car was placed for repo. I had applied for a private loan to help me cover the cost, so I set up payments online. I ended up not getting that loan so the payments bounced. Then this morning with no warning the repo man was in my neighborhood. My wife had the car at the store so he left. My wife called bridgecrest to try to get them to make good on their offer to work payments out with us due to covid, if we made last months payment. She was told no such courtesy will be extended. Because had problems in the past we are apparently not allowed to be affected by covid? Despite being 1st furloughed and then contracting the XXXX. We were told despite claims on the website and emails that no help is available. My wife asked to set an arrangement for the {$1000.00} past due to be paid on XX/XX/16 when I get my paycheck. She was declined. She was told {$320.00} today or the car gets picked up. Zero empathy, zero willingness to work with us on this issue caused by XXXX. Zero notice given that the car would be picked up today. Most companies are working with XXXX affected clients. But bridgecrests standpoint is that if you've had past problems with payments, you aren't entitled to have XXXX problems.
Product: Debt collection

This is a complaint is to request an investigation of payments made on card that allowed the credit limit to be exceeded and about an exasperating 3 years amount of time. It is the end of XX/XX/2020 and I have made several to many complaints. I have yet to receive any details of investigation other than the elementary no evidence of fraud was found. Large, successive, multiple, and without a doubt, fraudulent payments were made on the card and then bounced. Researching the payments should have been routine but was not part of the investigation. How many people have faith in big business to be hi tech and professional companies to always be one step ahead of the many thieves. How many fraudulent payments would have to be given the person reading this, me, or the CEO of this company before we are alerted? Several were made and then I was penalized.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile phone account with Sunrise Credit opened on XX/XX/XXXX, a student loan with the Department of Education opened on XX/XX/XXXX, another student loan with the Department of Education opened on XX/XX/XXXX, an auto loan with XXXX XXXX opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Mortgage

In XX/XX/2023 I refinanced my mortgage. Arvest Bank took over as the servicer of the new mortgage. My first payment was due on XX/XX/2023 in the amount of {$1800.00}, which includes {$570.00} for impounds ( insurance and taxes ). I round my payments up to {$1900.00} to bring down the principal a little bit faster. My initial payment was sent in as two payments of {$1900.00} each. Both were received by the bank on XX/XX/2023. A few weeks later I received a statement showing that one payment was applied on XX/XX/XXXX and the other was being held to be applied on XX/XX/XXXX. My payments are set up automatically with my bank and the XXXX payment was already processed to be sent on time. 

I contacted Arvest and notified them that they had erred in their processing and that the second payment was an additional principal payment. In XXXX I received a letter from Arvest that they were investigating the situation. Finally, in mid-XXXX, I received a letter from XXXX XXXX, Mortgage Servicing Manager of Arvest Bank stating that the amount had been removed from the XX/XX/XXXX payment and processed as a an additional principal payment, but on XX/XX/XXXX, not on XX/XX/XXXX. 

I am being charged interest on principal that was paid on XX/XX/XXXX. Per XXXX XXXX 's letter ( attached ), the payment was received by Arvest on XX/XX/XXXX, yet they are not processing it until more than two months later. They are charging me interest on principal that has already been paid. This needs to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to remove the late, closed, and charge-off accounts from my credit report. Despite multiple requests and efforts on my part, these negative entries continue to adversely affect my creditworthiness and financial standing. 

As a responsible consumer, I have taken proactive measures to address and rectify any past financial discrepancies. I have diligently worked with your organization to resolve these issues and have complied with all necessary procedures and requirements. However, it is disheartening to see that these efforts have not yielded the desired results. 

The persistence of late, closed, and charge-off accounts on my credit report not only undermines my credibility but also hinders my ability to access essential financial services and opportunities. These inaccurate entries paint an inaccurate picture of my creditworthiness and financial responsibility, which is unacceptable. 

I demand immediate action to rectify this situation and ensure the accurate reporting of my credit history. I expect your organization to conduct a thorough review of my account and take the necessary steps to remove the erroneous entries promptly. Additionally, I request confirmation of the removal of these accounts and the updating of my credit report accordingly. 

Furthermore, I seek an explanation for the recurring nature of this issue and assurances that similar errors will not occur in the future. It is imperative that your organization implements robust measures to prevent the reoccurrence of such discrepancies and upholds the highest standards of accuracy and integrity in credit reporting. 

Please treat this letter as a formal complaint and escalate the matter to the relevant authorities within your organization for immediate resolution. I expect timely communication regarding the progress of this issue and confirmation of its resolution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX  Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Equifax, to determine the accuracy and completeness of public information.  Ali verbalized to me that the information was verified by the Bamkruptcy Court, but my written request was ignored more than 3 times.  I sent a certified letter again asking for method of verification in writing, the letter was received by Equifax on XXXX.  I received an email response dated XX/XX/2019 stating "The disputed item is not currently reporting on the Equifax credit file: Public Record: Bankrupty XXXX."  I contacted Equifax via phone to clarifiy what does that mean, I don't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers, so it is not an reliable source) it is a violation of my rights as a consumer and the information should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

PNC is reporting incorrect information to XXXX I've contact PNC last XX/XX/XXXX and they sent a letter stating that the information will be removed from XXXX My latest report from XX/XX/XXXX from XXXX still shows the record that should have been deleted.
Product: Debt collection

I have been checking my credit reports and noticed negative accounts being reported. I have written letters via certified mail to the company asking for the company to please verify the account they are reporting is actually mine since I have no knowledge of these accounts. Per Fair Credit Reporting act the company has 30 calendar days from the time the letters are received to verify the account and send me proof. They did not do this. They also must report to the bureaus they are reporting to that the accounts in question have been disputed. They also did not do this. That is a major infringement on my rights and they have broken federal laws. I have time stamped documents of all communication with this company. I have informed these companies of the laws they have broken and asked them to remove the negative accounts they are reporting and they have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX, KEEP VALIDATING A BANKRUPTCY ON MY CONSUMER REPORT. 

THEY SAY THE COMPANY REPORTING HAS VERIFIED THE BANKRUPTCY. 

I HAVE MY CONSUMER FILE FROM ( LEXIS NEXIS ) THE COMPANY VERIFYING AND THEY DO NOT HAVE A BANKRUPTCY ON MY CONSUMER FILE. 

HOW IS XXXX AND XXXX VERIFYING THIS INFORMATION IF THE COMPANY THEY STATE VERIFIED SAYS IT DOES NOT EXIST. 

PLEASE HAVE XXXX AND XXXX DELETE FROM MY CONSUMER FILE. 

PLEASE FINE XXXX AND XXXX FOR FAILING TO RE-INVESTIGATE, THEY ARE VIOLATING MY CONSUMER RIGHTS AND NEED TO BE FINED.
Product: Credit card or prepaid card

I would like to setup repayment arrangements for the balance owed on credit card.
Product: Money transfer, virtual currency, or money service

On XXXX of XX/XX/2018, I tried to transfer XXXX USD to my brother. 
They did not transfer the money and they closed my account. 
Since then, I try to get my money refunded. 
They have not refunded my money back. 
There is no way to contact them, they do not give any information. 
This company is a fraud. 
I read a lot of reviews about them and they close people 's account and hold their money as long as they can and they use the money to make profit. 

There are a lot of people like me. 
You should stop this company to hurt the others like us. 

XXXX XXXX XXXX
Product: Checking or savings account

Regions Bank sent me an offer in the mail regarding opening a new account. The personal code for the offer is XXXX. The offer stipulates that the account must be opened before XX/XX/XXXX, that 10 purchase must be made and online statements established within 30 days of opening. The account was opened on XX/XX/XXXX and enrolled in online statement and 10 purchases made within 30 days. There is no confirmation stating the online statements were selected/enrolled so there is no way for the consumer to know the process has failed. This process is intentional and by design so that Regions does not have to pay the {$400.00} bonus they offered. The process is deceptive and unethical. When I called on XX/XX/XXXX, the representative confirmed I was not enrolled into online statements. I told her that I did and there was no way for me to know the process has failed. She enrolled me at that point and said if I don't see the bonus that they would open a ticket. I called again on XX/XX/XXXX to inquire again and the representative said I would receive it on the next statement cycle. When I called again on XX/XX/XXXX, the representative said they found no record or reason so they opened a ticket ( # XXXX ) to find a resolution. And on XX/XX/XXXX, a representative called to tell me I didn't enroll in online statements within 30 days of opening and I would not receive credit. I have filed an official complaint with Regions Bank ( # XXXX ) for unethical and misleading practices.
Product: Credit card or prepaid card

On XX/XX/2019 my family of four purchased a XXXX XXXX XXXX using our Capital One Savor Credit Card. We charged an initial payment of {$1000.00} on XX/XX/2019 and two more payments of {$980.00} were charged on XX/XX/2019. The cruise was schedule for XX/XX/2019 and XXXX XXXX informed us that the cruise was canceled due to Covid, We did received a letter from XXXX XXXX giving the option of having the full amount of {$2900.00} refunded or receiving a 125 % percent credit for a future cruise. We elected to have the full amount refunded. We only received a refund of only {$1900.00} and we started a credit dispute. Capital One did a initial credit for the {$1000.00} but re-billed the {$1000.00}. Capital one was really no help after this point and multiple different consumer services representatives acknowledged the missing {$1000.00} after looking at our statements. They stated that they did not know know the amount was re-billed. Two XXXX XXXX  Complaints with Capital One and one with XXXX XXXX were made on our behalf. Capital One dismissed both complaints and refused to help. XXXX XXXX was helpful and stated that when Capital One took the {$1000.00} during the initial dispute that amount was deducted from their account and not returned. They further explained if they refund me another {$1000.00} they would be out {$1000.00} and stated that it was an accounting error on Capital One part. The second XXXX  complaint was made against Capital one after learning this with again no help. 

Capital One to this date has still not made me whole or offered explanation. I did pay the full amount on Capital one Account as I did not want to ruined my credit which could prevent me from buying a house, vehicle..
Product: Debt collection

On XXXX XX/XX/XXXX I was contacted via telephone from XXXX XXXX XXXX threatening legal action for a debt I supposedly owed for XXXX XXXX  in the amount of {$7900.00}. I asked for proof of ownership of this debt. I was sent an email from XXXX XXXX XXXX showing a debt from XXXX XXXX  with my name and last four of my SSN. Reference number XXXX, Client ID XXXX. I advised them I have never had a XXXX XXXX  account and would like proof of authorization from me to open this account. No proof was sent. I recieve two to three phone calls per day demanding payment. After going online and researching XXXX XXXX, it was purchased by Bank of America in XXXX. I have never had a Bank of America account either. I researched XXXX XXXX XXXX and saw many complaints from consumers stating these same tactics and fraudulent claims of debt from them.
Product: Debt collection

In accordance with the fair credit reporting act Midland credit Management has violated my rights. 15 U.S.C 1681 Sect. 602 A states i have the right to privacy. 15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions. Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. Sending a statement does not prove this is my debt. You also had someone trespass onto my property per my cameras to deliver a package not once, but twice that my dogs chewed up. You have also sold my information to 3rd party agencies as i am getting letters from attorneys about being sued. This again violates 15 USC 1681. 

Cease and desist immediately as well as remove the judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit card or prepaid card

On XX/XX/2021, I purchased 2 XXXX  XXXX Consoles through XXXX  ( order # XXXX ) for a total of {$1100.00} - payment method was my Chase credit card on file with XXXX XXXX 
It wasnt until the delivery that we discovered the consoles were restored and not new as shown on XXXX. We immediately requested return authorization that we received from XXXX along with a shipping label. Per XXXX shipping instructions, we affixed their label that had the items being returned to XXXX, KY via XXXX ground ( tracking # XXXX ) - shipped back on XX/XX/2021. 
I received a message from XXXX on XX/XX/2021 that the items had been received. Ive been trying to get my money back ever since. 
I have close to 50 pages documenting conversations with both my credit card company and XXXX trying to resolve this matter and they both keep pointing fingers at each other while Im left still paying on this bill so my credit isnt affected. 
I filed a dispute with Chase who did no investigation even after I sent them the XXXX return slip. XXXX is now telling me that the seller never received the items back and will therefore not reimburse the purchase price. I bought and returned the items through XXXX per their written instructions. The fact that they didnt process the return to the seller is not my problem. 
I have been on the phone every few days with both XXXX and Chase since XX/XX/2021 and have been unable to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called CCS 3 times trying to pay my bill and get a deletion email and they refuse to send me a email. So I just want something stating why the cant if Im paying my money.
Product: Checking or savings account

When opening the account I used an offer that would give me XXXXXXXX XXXX miles after ( 1 ) making direct deposit and ( 2 ) make debit card purchases of {$1000.00} or more. I did both. Citi hasnt honored the offer.
Product: Mortgage

THIS COMPLAINT IS FOR XXXX XXXX WORKING AS A, MORTGAGE BROKER NMLS # XXXX WORKING WITH NEXA MORTGAGE COMPANY, PLEASE EMAIL : XXXX and XXXX. XXXX XXXX did not have me to sign a DocuSign contract with her as my Realtor Mortgage Broker after I was working with her at XXXX XXXX. She did not tell me she had left working for XXXX XXXX  until the next day of sending her documents for pre-approval. I asked her the reason she did not let me know and she stated she just left the same day. She asks me to submit her information with Nexa Mortgage XXXX if I wanted a Conventional loan that I was not qualified with my husband with XXXX XXXX due him needing higher credit. She informed me that I would qualify for the pre-approval. I was preapproved on XX/XX/22 from XXXX XXXX for {$290000.00}, Conventional Loan with Nexa Mortgage XXXX emailed with a pre-approval letter. XXXX XXXX informed me that she stated she considered the selling of my commercial property with the {$290000.00} pre-approval. I contacted XXXX XXXX on XX/XX/22 and informed her that my contact ended on XX/XX/22 and I was not able to buy home I bided with her approval letter due to the extensions for the home at XXXX XXXX XXXX, XXXX, GA XXXX. She stated that my loan was not denied or suspended when I was processing the loan with XXXX XXXX Mortgage. She stated my XXXX ratio was high due to not having the XXXX. I informed her XXXX XXXX stated they did not need anymore iXXXX after my XXXX  gave {$6000.00} extra dollars total continued to change. I informed her that I had not sold my commercial property and was in the process and she considered the {$290000.00} with the building being included for approval. I informed her I did not have debt on my XXXX and was receiving XXXX XXXX monthly. I informed her I only had a {$87.00} school loan for debt in my name. I informed her that I had to get XXXX extensions on the loan due not having the income she stated I had for the {$290000.00} and the contract ended on XX/XX/22. I informed her that she told me during processing that I was suspended and denied for the contract. I have text and emails stated she told me that contract was denied and suspended. I informed XXXX, I did not want to lose my XXXX money of appraisal and she stated I would not lose the money. She blamed My Realtor XXXX XXXX for me losing my XXXX money and XXXX appraisals totaling {$4000.00}. I informed her that she did not tell me the truth about due to the extensions my loans were not in denial or suspended. Due to my emails from XXXX XXXX, she was XXXX of the reasons I lost my XXXX money and appraisal for {$4000.00} due to the extensions and her using my commercial property in the {$290000.00} total of the pre-approval letter for the home I had a contract due to the qualifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent notice to all the bureaus that i am a victim of identity theft