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

I got a lease from XXXX XXXX XXXX back in the middle of XX/XX/XXXX. Everything seemed great on their end but, then I noticed in early XX/XX/XXXX that they made 2 unauthorized hard inquires on my credit report. 

Starting in early-mid XX/XX/XXXX I called and spoke with numerous Managers and finace managers at the XXXX XXXX XXXX XXXX dealership. By the way it was very hard just to get ahold of them on the phone. I started with leaving multiple messages and voicemails to the people in charge. Finally I was able to get ahold of a couple of different managers but, they stated that they either could not do anything or that they were going to check and see if there is something that they could do. I gave them a sufficient amount of time to get back to me and provided them with my personal cell phone and email address but, they never called me back. I tried calling them and getting ahold of them again but, I was unsuccessful in getting any sort of resolution this way ( all of this went on for about 5-6 weeks ). 

In XX/XX/XXXX I consulted a lawyer and he helped me put together a formal letter ( attached below ) as the next step to try and find a solution. I stated my complaint and asked them to remove these unauthorized credit inquires from all 3 credit bureaus. Yet, I never even received a response from them after waiting months ). 

About 90 to 120 days later ( either in XX/XX/XXXX or at the very latest XX/XX/XXXX I called the coroprate number for XXXX. I spoke with a customer service representative and a supervisor and they said they would get back to me with a resolution within 1-2 weeks. They never called me back within that time-frame so I called them back around XX/XX/XXXX and they stated that it could take 30 days to resolve. 

Now it has been almost 60 days since Ive conatcted them and I have not recieved any calls or anything close to a resolution for everything. So, at this point I feel as though Ive given XXXX more than enough time and I feel that Ive done all I can in dealing with XXXX myself and Im now hoping thag cfpb can resolve this matter for me.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and noticed I have a XXXX XXXX account on my credit report that doesnt belong to me and I never lived at the address listed. A charge off is considered income from the IRS which means I should of received 1099-C and according to 15 USC 1681 2a ( I ) no transactions or experiences is allowed to be on credit consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. 

I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX, I stopped paying my mortgage because I could no longer afford to pay the monthly mortgage payments. I attempted to negotiate the terms of my loan, but the bank refused to lower my monthly payments and the principal balance of the loan. I hired an attorney in which he was not able to lower my monthly payments nor the principle balance with XXXX XXXX. According to Nationstar the current loan servicer, XXXX XXXX did not participate in loan reductions for struggling homeowners and as a result I had to reluctantly agree to a loan modification or risk losing my home to forclosure. I was a victim of a predatory loan when I purchased a was approved for a second mortgage to remodel my home in XX/XX/XXXX which caused me to fall behind on my monthly mortgage payments. The loan was originated by XXXX, sold to XXXX XXXX XXXX and then sold to XXXX XXXX. In addition, the loan was serviced by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the loan is currently being serviced by Nationstar Loan Servicing. As of XXXX/XXXX/XXXX, my principle balance has nearly XXXX from XXXX dollars to XXXX and my monthly mortgage payments have remained relatively the same despite the loan modification. My home is currently valued at approx. XXXX dollars and unfortunately I will be forced to leave my home due to the bank 's refusal to negotiate in good faith. 

Note ; The copies and documents regarding this matter will be submitted via fax or US mail upon your request.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax block information on my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent information includes : an auto loan at XXXX XXXX XXXX ( XX/XX/XXXX, account XXXX ), a personal credit card at XXXX XXXX  ( XX/XX/XXXX, account XXXX ), another personal credit card at XXXX XXXX  ( XX/XX/XXXX, account XXXX ), a collection at XXXX XXXX XXXX  ( XX/XX/XXXX, account XXXX ), an internet account at XXXX ( XX/XX/XXXX, account XXXX ), a collection at XXXX XXXX ( XX/XX/XXXX, account XXXX ), and an installment loan at XXXX XXXX XXXX ( XX/XX/XXXX, account XXXX ). These accounts have resulted in several fraudulent hard inquiries and collections appearing on my XXXX credit report. Attached is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof that these accounts, collections, and inquiries are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX Now 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For 18 years now all three credit bureaus XXXX, XXXX, Experian credit bureaus, have continued to deny me my rights to receive my credit report. At least three times a year I've requested it for 18 years Experian gave it to me in XXXX  but the minute I started disputing stuff they locked me out of it again. XXXX just sent me one this year only because of the complaints here and now they're blocking my ability to dispute stuff on my reports. XXXX has still yet to respond to me. I've sent all three credit bureaus copies of my ID and Social Security card notarized signed affidavit of Said copy of my ID and Social Security card. Yet they continue to deny me the rights that they are required by law to give me. Not only are they harming the very natures of my personal livelihood. They are also harming the very natures of my business XXXX XXXX XXXX XXXX Because without a proper and accurate credit report with a good credit score I can't get business funding. They know very well that is truthful, and know exactly what they're doing. As they continue this onslaught of disrespect and blatant violation of the laws CFPB I got to ask you at what point do you send all these complaints to the proper authorities. They are in violation of many laws at this point including my right to accuracy 15 USC 1681. But they just keep laughing like my life is just a joke. OKAY FINE ... I guess it's time to let a JURY decide. I mean really, someone is going to come to the CFPB And complained that they're not getting someone else 's credit report. Everyone else can get it, but I'm not allowed to have access. I sat down with a car salesman and he pulled my credit report right up no problem but me I'm not allowed to see it you continue to refuse me the actual owner of said credit reports, OKAY!
Product: Credit card or prepaid card

In XXXX of 2019, I purchased a desk from XXXX, using my PayPal Credit/Synchrony Bank credit account. Due to an issue with international shipping and customs, the item was never received, and it was returned to XXXX. XXXX 's shipping vendor, XXXX, coded the return incorrectly, and charged me {$370.00} for duties on an item I never received. That was when I filed my first dispute with Synchrony, who, in the end, did not find in my favor. Come to the present, approximately 11 months later, and multiple disputes filed, I am still fighting with Synchrony over the charge. I have provided emails from XXXX stating they will cover the charge, and I even have a recent letter from Synchrony stating the charge was taken care of, only for them to turn around and add it back to my account. I just had to file what I believe may be my 7th dispute with Synchrony.  Synchrony has not once called me, nor have they reached out to the vendor, per my instructions, to claim the refund. Their dispute resolution team does not have a telephone number, nor do they take calls. I have no option but to continue filling disputes every time I am denied my claim. This could have serious negative implications for my credit, as well as my finances. Without a way to contact their dispute team, I am at a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} - Please Remove. Please validate the data furnishers ability to report by asking for " relationship documents '' with " quit claim language ''. Data furnisher has not furnished to me after request proof of certifiable sworn documents to substantiate his or relationship with such as party or company. No proof of license, insurance or contract has been given by XXXX XXXX. XXXX XXXX has not shown legal authorization or claim over " alleged debt '' or the legal write to operate in said state for " Alleged Debt ". There has been No proof of complete, truthful, timely and accurate reporting according to Eoscar and Metro 2 Compliance. XXXX XXXXr is in Violation of FCBA 15 US Code sS 1666 " Adverse Action '' I was never notified about putting any negative information on my credit report. XXXX XXXX  is in violation of carbon copy rule with all 3 bureaus according to Eoscar and Metro 2 compliance. Please Remove!
Product: Debt collection

This company regional financial has taken over XXXX from me from a case of identity theft. My FCRA rights have been violated as well as my consumer rights. I am a victim of identity theft this debt does not belong to me. I have repeatedly sent documents to regional finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, a Bank of America account was opened under my name that I was not aware of. Ive disputed this multiple times with Bank of America and XXXX XXXX XXXX however they refuse to remove from my report.
Product: Credit card or prepaid card

I applied for a capital one platinum card as referred by XXXX XXXX on XXXX XXXX, 2017 and was approved for a credit limit of {$3000.00}. I was sent a card and upon trying to activate was told it was restricted and was sent to the fraud department. I was told I needed to verify my identity and was sent a link to my email to upload 3 documents which included : my driver license, my social security card and a bank statement with my current address. 2 days later I was called by a rep from Capital one who said that they received my documents but my account had already been closed and cant be reopened. They wont explain who and why my account was closed. It is on my credit report.
Product: Credit card or prepaid card

I receive balance transfer checks from Bank of America all the time and have used these checks to pay off higher interest debts with interest free balance offers using these checks. In XX/XX/XXXX, I used one of these checks which offered 0 % interest until XX/XX/XXXX. I paid {$150.00} transaction fee to use this check, but I saw on my statement this month that I am being charged interest on the outstanding balance. 

I called BofA and was told that there is a new exclusion that you can not make the balance transfer check out to yourself. If this new rule was included in the offer letter, it was not clear or obvious at all. I have always made the balance transfer checks out to myself, deposited the check into my checking account and subsequently made payment to whatever account I needed to pay off. I have done this many times, but suddenly, they change the rules without making it clear. Very misleading ... and a financial burden. I've already paid {$150.00} upfront transaction fee, and now I've been charged {$75.00} interest just this month alone.
Product: Credit card or prepaid card

Hello, Im XXXX XXXX and Im having issues with American Express. On XXXX XXXX, XXXX I noticed fraud on my credit card. I contacted American Express to report the fraud of XXXX and the started their investigation. About XXXX weeks later I received a check and letter for XXXX and they said theyve investigated the fraud and they refunded me with a check for the full amount. 

Well one year later they said my soon to be ex wife contacted American Express saying the charges were valid which I find funny because she received half of the money. 

My wife did this just to get back at me knowing the card was in my name and it would go on my credit. Because of the fraud I got a new card and stopped using American Express because of the fraud. 

I read online that American Express has 90 days or two billing cycles to resolve the issue or remove it. Well they did resolve it with the check they sent me in XXXX of XXXX and all the fraud was resolved on that date. 

Im hoping you can help me with this because being XXXX I feel there not following the law and theyre taking advantage of me. 

Thank you, XXXX XXXX
Product: Debt collection

I did not know i owed {$120.00}. I did not receive any information from no one about this debt. I figure it out because my credit score dropped. then i called XXXX  and they explained that one of my accounts was in collection for {$120.00} and it was a medical bill related to my son that has same name as me. No body call my phone number, no written information received. I always pay my bills, and i am never late, you can see my other account are clean and paid on time. It is not fear having this amount on my credit report just because lack of information and it is not my account. Please remove this from my credit until my son can resolve this account. Attached credit report. 
Complaint for account shows as : CHOICE RECOVERY INC # XXXX**** XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX Placed forcollection:XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$120.00} Date Updated : XX/XX/XXXX Original Amount : {$100.00} Original Creditor : XXXX XXXX XXXX  Past Due : > $ XXXX<
Product: Payday loan, title loan, or personal loan

This is my second attempt to resolve this issue in regards to my consumer credit transaction.
Product: Mortgage

The issue at hand is unapplied funds with mortgage payments in excess of what is required. Funds in excess of the mortgage payment are not applied to the principal balance of the mortgage. Payments of {$300.00} per month result in :XX/XX/XXXX {$91.00}, XX/XX/XXXX {$97.00}, XX/XX/XXXX $ {$96.00}, XX/XX/XXXX {$86.00}, and XX/XX/XXXX {$53.00} ( total {$420.00} ) not being applied to the principal balance or my mortgage. Instead they are kept in an unapplied funds account ( in excess of the required monthly mortgage payment of {$180.00}. Please advise on how to proceed to get the {$420.00} in XX/XX/XXXX unapplied funds credited to my mortgage balance. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone tried to charge my bank account {$700.00}. XXXX XXXX XXXX  called me and I went to the bank the next morning and we found that someone had opened an Apple credit card under my name as well.
Product: Money transfer, virtual currency, or money service

Citizens Bank allowed approximately {$3000.00} to be deducted from my bank account between XXXX and XX/XX/2017. The money was pulled by XXXX XXXX daily. Citizens would not provide the documentation needed to recover the unauthorized funds, which led to hardship. Banks need to be watchful of excessive activity on an account that is out of line with prior activity. Daily ACH pulls in the amounts of {$75.00} to {$100.00} should be a red flag for a bank. Other banks will notify customers if they see excessive activity on an account. My property is now going into foreclosure because I can't recover the money. While Citizens isn't responsible for the activity, they are responsible for alerting their customers when activity on an account is excessive. I have provided them extensive documentation on why the activity was fraudulent, including phone records from various states and calls made at 3 or 4 in the morning. The bank has taken a very passive approach to this information, closed my account, and has ignored the documentation. FDIC insurance is null in this case. If someone were to come into the bank and steal from the account that's considered serious. Because it was done by phone and computer, the bank is not acknowledging any problem.
Product: Checking or savings account

I went to ATM XXXX XXXX XXXX XXXX XXXX FROM DDA on XX/XX/2018, to withdraw {$20.00}. The ATM did not dispense my money! I am beyond upset, I am angry at this point. I called customer service the following Monday XX/XX/2018, just to be told to wait til XXXX for their system to process and update. If not I had to put in a dispute, which I had to on XX/XX/2018 in person at the branch located inside the XXXX on XXXX and XXXX. This is a BANK ERROR! WHY SHOULD I HAVE TO WAIT FOR MY MONEY AND DO ALL THIS EXTRA STUFF BECAUSE THEIR ATM DID NOT WORK?? At the branch I go to there is a huge sign that reads " Satisfaction Guaranteed ''! LIES! As of this complaint I still dont have my money back. I dont care if it is {$20.00}, to me that could have been all I had and I have a XXXX year old I have to care for. That could have been my last to feed my child and I am having to wait on them. They need to change that sign! I want my money back in my account as fast as they took it out! I will be closing my account once this is resolved! 

Signed a XXXX XXXX soon to be EX customer!
Product: Debt collection

I believe I have fallen victim to a predatory lending scheme. I am an elderly person and was experiencing plumbing issues and called XXXX to assist. Was promised total issue resolution, took a loan through the lender coordinated by their contractor for {$6000.00}. However the issue was never resolved. I had to keep calling because the system behaves the same as before. XXXX no refuses to honor warranty but Im still liable for this loan. 

I have filed a claim with the State of California XXXX XXXX XXXX, they have been trying to close my case ever since I opened it in XXXX. This work began XX/XX/2020 to this date I am not satisfied with their work. 

XX/XX/2020 XXXX XXXX from the XXXX XXXX XXXX and another man he identified as an inspector claimed he was checking my plumbing and he also said we needed a plumber with a camera to look into the pipes. There was a plumber working across the street from my house and he claimed to have gone up the pipe with camera. I received a phone call from XXXX XXXX telling me that nothing was wrong I have not received a report I paid that plumber {$200.00} cash.
Product: Credit card

Approximately at the beginning of XX/XX/year>, I went into my online account with XXXX XXXX to schedule my payment for the end of the month. I noticed that my balance didn't match up with the balance online. I then noticed a charge of {$580.00} in interest. It was the promo I was under for a purchase made in XXXX and what I thought was on an equal payment plan. Apparently, it was not, just minimum payment and have balance paid off by the end of the promo. Since I was on paperless billing, which I never agreed to be on, I didn't receive any alert that the remaining balance was coming due and the date due. I have contacted the company numerous times to see about getting consideration of the mishap and have the deferred interest removed. Let me state that as soon as I found out the amount was due, I made the minimum payment for XXXX and the balance of what was due on the promo. I keep being told that an alert is on the bill, but information that is supposed to appear on the bill anyway and isn't anything special in alerting the customer. on the XXXX of XXXX I went online to pay my bill and as soon as I logged in an alert popped up on the screen giving me a XXXX reminder that I had a second promo coming due in XXXX. I immediately took a screenshot and contacted comenity bank about why I hadn't received the same alert XXXX  days before the XXXX promo was due. NO ONE had an answer for me ; after getting the charge I went back to paper bills, and a rep that day told me " Maybe ai received it because I went back to paper bills '' but wouldn't that be backwards and very misleading since XXXX push for customer to go on paperless billing? Shouldn't I have received the alert because I was on paperless billing which makes more sense? I have tried to upload the screenshot, of approx. XXXX, as an attachment that can hold up to XXXX of attachments when sending/responding to a message. I have prided myself in having and maintainig good credit and paying all my bills on time. Only a fool would spend over $ XXXX, as I had on this account, on promos then not have them paid off on time. I have also included an attachment of the screenshot made on my phone that shows the XXXX alert for the XXXX  promo due in XXXX.