23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Home Depot credit card through XXXX, and I have opted for online statements. I have a balance on it, and I have an overdue payment. The payment of {$55.00} was due XXXX XXXX, so I am two weeks late. On XXXX XXXX I went online to schedule a payment. The online statement showed {$130.00} due on XXXX XXXX. The amount of {$130.00} includes the XXXX payment, a late fee and the XXXX payment. I scheduled a payment of {$130.00} for XXXX XXXX. On XXXX XXXX Home Depot blocked my online access and shut off my credit card. I had no notice of this action until I attempted to use the card to purchase supplies. The store was unable to access my account, and I am no longer able to access my account online. The cashier called the credit line and I spoke at length to the Credit Dept representative. I have additional credit available on my XXXX credit card, and I have a payment scheduled in 3 days for the past due and the current amount. But I ca n't access my card online, and I ca n't use the credit that 's supposed to be available to me. I told them this is an unreasonable policy because 1. the statement merely says that the past due and current payment are due on XXXX XXXX, and 2. they already charged me a late fee on that statement. The statement gives no information about shutting off access to credit. I 'm trying to run a business and need these supplies immediately for a major event in two days. Is this policy legal?
Product: Debt collection

I XXXX XXXX have a debt amount of XXXX with Meridian Financial SVC Timeshare Liquidators LLC. I have never done a time share and have no idea who this company it. It is effecting my credit and effecting my home and means to be able to get things I need to survive in life. The company is not allowing me to dispute this charge. When I contact the company they state the have no account in my name but yet it is on my credit. I am pressing charges and will get a lawyer involved now. I want this off my credit
Product: Credit card

Wells Fargo Credit Card was closed off in XXXX by the bank due to me failing to pay the balance owed. I went to make a payment to pay off the balance and Wells Fargo continued to charge late fees and interest 90 days after the account was close charging {$50.00} extra a month. It is excessive. I have multiple issues with this bank from them stealing money from my account, approving transactions after I had stopped my debit card from being used. Wells Fargo allowed my accounts to be overdrawn instead of declining the payment from XXXX, and XXXX streaming services and charging me overdraft fees on top of the over payment. Wells Fargo knew I did not have sufficient funds, knew my cards were turned off so I would not get charge and go into overdraft and Wells Fargo still approved of it and charged me for it. When asked why did they do it, I was told simply because they are Wells Fargo and they can do whatever they want. I am willing to settle the debt if {$270.00} to keep the account close but will not pay more than that as Wells Fargo keeps overcharging me. I had to close both my checking and savings
Product: Checking or savings account

This is missing a few of the overdrafts charged from XXXX XXXX and XX/XX/XXXX Each one of these was because of how the charge come through or because the gas station had a XXXX $ hold on my card and sent my account into a negative with the computer even though I didnt see it on my end the bank could see thats why but they still refused to adjust my fees even though they could see I had the money to a cover my account without it or because of a overdraft fee I was in negative and so another one would incur Pending Overdraft Fee Amount : negative XXXX XXXX dollars {$36.00} Running Balance : negative XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars $ Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} Details Category : Banking Fee Online Description : Overdraft Fee Statement Description : Overdraft Fee Date : XX/XX/XXXX Type : Debit XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$72.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} Page totals : Credits : [ XXXX ] XXXX dollars {$0.00} Debits : [ XXXX ] negative XXXX XXXX XXXX dollars {$540.00}
Product: Checking or savings account

In XX/XX/year> I called the customer support line for Chase to report 6 fraudulent transactions on my checking account from Amazon that all happened within a couple days of eachother. Chase fraud support initiated a investigation and credited my account with the money that was taken out. As of XXXX, XXXX, 3 of the fraudulent transactions have been reposted to my account as " reversed ''. The Chase fraud escalation team said that the reversal will remain due to " amazon providing enough information to conclude you made the purchase. '' I argued that this is how fraud works and stated i did not make these purchases and have not made a purchase on amazon since XXXX  of last year which i did not claim as fraud. The representative stated " no, it's not '' and that " the purchases used your email address so we won't do anything for you '' despite the fact that ALL of the purchases were made at around the same time with the same information. The second of the 3 representatives, the same one I just mentioned accused me of lying and making a false report and stated I would need to prove that I did not make the purchases to have them refunded. I chose to escelate to her supervisor after that statement. Her supervisor ignored everything I said, spoke over me the entire time and claimed fraud is not when someone buys something with stolen information. He restated that they used my email address, thats enough for them and then refused to transfer me to another supervisor or legal team when asked repeatedly. He said they don't have one and then told me the reversal will remain.
Product: Credit reporting or other personal consumer reports

I was buy a car XXXXdays the car give problem I was send the car back they take my money they dont give me another car and they putting inquiry my credit
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than XXXX times. transunion 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.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX  XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX  XXXX XX/XX/year>2023 XXXX XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit to monitor it. I realised so many different inaccurate items I'd like resolved. In the forms of 9 hard inquiries that are unknown to me and frankly disturbing. I called equifax but they. Never responded 2nd attempt tgru cfpb. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 AND XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries are unauthorized and without permissible purpose. Please send proof of reinvestigation methods used and wet ink signature ti substatiate my consent. I know what a inquiry is please di not insult and send a generic answer. The FCRA Said all items on credit report must be accurate. None of the inquiries have account # address phone number of furnisher attached which is required per the FCRA. Thats not complete and accurate therefore they must be removed. I do not know who to contact and i should have those information by law. FDCPA youre in violations of my privacy act also. Equifax has vowed to be a accurate data furnisher, the data on my crdedit is not accurate or authorised. This is hindering my life. Fcra allows {$1000.00} per violations. Please govern yourself. You have 30 days to respond with a copy of updated report reflecting these changes.
Product: Vehicle loan or lease

In order to get my ex husband off my car title, I had to refinance my car because he was a co-borrower on my loan with Nissan XXXX. 
I refinanced my car officially in XX/XX/2021, and have yet to receive a lien release from Nissan XXXX, despite having called and asked 4 times. 
I am unable to register my car and get my ex husband off the title without this lein release per the DMV. 
I have since moved to XXXX  from XXXX, and have STILL not received the lein release despite calling and asking for it to be sent to my new address twice, in addition to having called twice and requesting it be sent to my old address.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing you to formally dispute inaccurate info on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMG MONEY IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT XXXX SHOWS 5 LATE PAYMENT AND XXXX IS SHOWING 4, DUE TO THE FAIR CREDIT REPORTING AGENCY IT IS IMPORTANT TO REPORT ACCURATE INFORMATION, HOWEVER XXXX IS NOT REPORTING ANY PAYMENTS THAT I MADE IN 2023 PLEASE UPDATE THIS INFORMATION AS TO IT BEING CORRECT AND NOT BEING FALSE
Product: Mortgage

I applied for refinance with XXXX XXXX XXXX, rep was XXXX XXXX NMLS # XXXX ( XXXX, CA ) in XXXX 2015. Simple transaction. Company took two ( 2 ) months to process, did n't respond to questions, kept getting bounced around to several people during underwriting without any explanation, kept asking for repeated documentation proving income, which I provided. Documentation exceeded any reasonableness, something was n't right with their procedures and processes. 

I kept having to threaten to cancel the application and go elsewhere, then Discover rep would call and last minute and say everything was ok and not to worry, while time was wasting away when I could have gone elsewhere. XX/XX/XXXX rep XXXX told me all documents were ok and I was approved and to set closing date and asked to be put in touch with my closing agency. Then the rep and company people involved went missing again, no response to emails, meanwhile my intent to close in XXXX was at risk with fixed rate. I sent dozens of emails over course of three weeks. 

Company then mass emailed me and other consumers saying the Company had " ceased '' lending operations ( went out of business ) but would process my loan as I was already in the system. But, then rep then called that same day and said my application would n't be processed. Insanity. This is the most inept company I 've ever dealt with in my experience in mortgage lending, absolutely disgraceful experience. Total mismanagement. I would avoid having any business with " Discover '' if in the company name. The company and reps should be reprimanded for their poor and sloppy performances in providing service. Company still owes me refund for {$400.00} for appraisal.
Product: Credit reporting or other personal consumer reports

Upon looking at my credit report I noticed that their were several accounts that were fraudulently opened in my name wihtout my permission. Mywallet and ID were stolen out of my luggage while traveling out of town from XXXX XXXX in XXXX XXXX XXXX. However, I noticed that when looking at my credit profile there were several accounts opened fradulently in my name since XXXX  which were : XXXX  ( autoloan ), XXXX ( autoloan ), XXXX XXXX XXXX, and XXXX. There were also inquiries made to XXXX XXXX XXXX which were fraudulent inquiries as well. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 01/13/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Debt collection

Frequent calls received from Harris & Harris at my work number. I have called back to the number left on the voicemails but get transferred from person to person and then disconnected. Calls received at the following times and dates : - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX
Product: Credit card or prepaid card

I purchased two nightstands from Macy 's online for {$600.00} using Macy 's store credit card, and returned them later. I called Macy 's customer service before returning the items, and Macy 's representative told me that I was able to get the full refund of {$600.00}. On XX/XX/2021 and XX/XX/2021 respectively, my Macy 's online account showed that Macys refund my store credit credits of {$300.00} and {$290.00} respectively. However, I only received {$280.00} and {$270.00}. Macy 's refused to refund me the {$41.00} I am entitled to get.
Product: Mortgage

Mortgage Loan # XXXX - Company Name : Specialized Loan Servicing, XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX - Representative Name : XXXX Employee # XXXX. 

Date : XX/XX/2020 Problem : Mortgage Payments made in Advanced for XXXX and XX/XX/2020 for {$1800.00} for each month. 

Specialized Loan Servicing ( Collector ) on behalf of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ; received and processed these two advanced monthly payments to the Principle only, and refused to apply the payments to the months of XXXX and XX/XX/2020 as instructed in writing and posted on the cashed checks. 

On XX/XX/2020, Specialized Loan Servicing sent us another payment due for {$1800.00} for the Month of XX/XX/2020 ( AGAIN )!! 

Specialized Loan Servicing ( new loan processor/ collection ) are violating our agreement with the Original Lender ( Mortgage Note attached ) who accepted all our advanced payments and posted them correctly to the following month.
Product: Debt collection

This business is completely unethical and should be banned from collecting debts. They reached out to me about a debt back in XXXX and I fell behind on the settlement payments. I tried calling to come up with a new settlement after I fell behind on a payment and they were so rude, laughing at how I cant pay my debts. Apparently they charge XXXX XXXXXXXX {$50.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX or ( XXXX ) XXXXXXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX Page 1 of 4 fees for credit card payments after a miss credit card payment. I asked for documentation supporting this fee and they could not provide it. I then asked for validation of debt and they could not provide it. They will also impersonate a summoner XXXX XXXX letting you know theyre going to sue and serve you. They also did not disclose their company name in any communication, only going by XXXX XXXX  by voicemail, I had to look up the phone number on my statement to find the company name and also call outside of business hours to validate the company name via voicemail. Unprofessional, disgusting company.