23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

The company XXXX Southern Finance ), has been repeatedly told that I am unable to make my loan payments due to low income at the moment. I also signed ( electronically ) according to company instructions a payment defferment agreement for my XXXX payment that the company then tried to say was invalid due to the paper not having a wet signature. I was then contacted about the deffered payment and harassed by phone calls by the company trying to get me to go to the branch to RESIGN the defferment agreement for XXXX in person. By law I do not have to resign something once it was signed the first time. Unethical, miscommunication between the branch and their corporate office is NOT my problem to deal with.
Product: Credit card

In XXXX of XXXX, my experience with Home Depot took an unexpected turn when I received a text about an attempted charge of over {$800.00} on my card. Swiftly responding with a resounding " No, '' I immediately contacted Home Depot to ensure the charge was halted and to cancel my card for security measures. 

During the call, I took the opportunity to inquire about any other transactions on my card. Surprisingly, they informed me of two additional smaller charges that had gone through on the same day. I promptly asserted that these were not my transactions and requested their removal. Additionally, I sought a case number and details on how I would be updated about the ongoing investigation. Initially met with resistance, I persisted until they finally provided me with a case number. 

Despite my efforts, my claim faced a setback as it was denied on the grounds that the purchases were allegedly made with the card chip inserted. Puzzled, I emphasized that I had maintained possession of my card and had not set foot in a Home Depot for years.

To add to the frustration, Home Depot claimed to have mailed me letters and a replacement card. Despite multiple confirmations of my mailing address, not a single letter concerning my case reached me. Now, I find myself in a perplexing situation, forced to pay for purchases I did not make, all while grappling with an exorbitant 30 % + interest rate. 

How this occurred remains a mystery to me, especially considering the supposed use of the card chip. It appears that these fraudsters have evolved their techniques, leaving me both bewildered and disheartened by the unfolding events. My hope is that this unfortunate experience does not happen to anyone else and that measures are taken to prevent such incidents in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My account was disabled with Navient.
After calling in I was told not to worry my loan was paid in full in XX/XX/XXXX.
In XX/XX/XXXX I realize they are still withdrawing payments from my bank account.
I ask them to please stop several times. I try to log back into my account but it still says account disabled.
It 's ridiculous that an organization like Navient, who I have given tens of thousands of dollars to continues to take from my account when there is no debt to be paid back.
It feels like they are intentionally setting people up for things like this.
Product: Debt collection

I recently checked my credit report and saw a very very very old account from Toyota motor XXXX as a charge off on my account!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reports dont even check if the info is correct or verify anything and just put it on my credit! i sent letters to all credit bureaus and to Toyota via certified mail # XXXX I need this fraudulent closed account and reporting to immediately be removed from all my credit reports!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.
Product: Debt collection

I know I owe Harley Financial money for my XXXX bikes but they are literally calling me more than XXXX times a day. They try to change their numbers without caller ID but it's them. The numbers that are XXXX are from Harley Financial. I have screen shots of this..I know Harley has already been sued about this and it's disturbing they are using these tactics. I literally spoke to them about stopping calling this many times but the calls have multiplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finishing grad school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. Navient reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was missed. and
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Product: Credit reporting or other personal consumer reports

West lake Service Incorporation pull my credit on XX/XX/XXXX, XXXX resulting on a hard inquiry. 
I did NOT AUTHORIZE this and its now showing up on my credit. I think it maybe fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and inaccurate information from my credit report.
Product: Debt collection

I noticed several unauthorized accounts in my credit report. Please ensure these fraudulent accounts are blocked and removed at once.
Product: Credit reporting or other personal consumer reports

Furniture store name XXXX XXXX XXXX XXXX XXXX XXXX l have made on time payments .used this company morer 10 years as. Report to credit bureau to Build my credit scores.. What has happened there inaccurately reporting records. Found on all 3. Credit bureau are. iNCORRECT. REPORTING All 3 Credit report agency credit r While making on time payments. .I have requested this company to fix this more 3x due to me now constantly bein. turn down. For lines. Credit.. This 2nd time l been denied for purchasing. New Home due to reporting. Delinquency.r .reporting scores While makein on time payments Never late.. Only time when there is something changes. when something been paid ooff or. New purchase some thing New just bein added.. I Noticed huge changes. My credit scores XXXX XXXXXXXX Were me my wife relocated Wisconsin rapids.. While makeun on time payments.. I have kept documents receipts attached to portal. Shown no late payments been made. All on time
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX and XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance XXXXXXXX XXXX XXXX
Product: Debt collection

Debt collector is using a creditor that does not exist in an effort to collect a debt from me
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I received notice that XXXX XXXX XXXX XXXX removed 4 satisfactory accounts off my credit report. With them deleting this good information caused my score to drop significantly. I want this information reporting due to the fact they are loans that I paid off in full. I am uploading proof of the information that these accounts were deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX DOB : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called Wells Fargo Bank customer service yesterday to request information about my personal line of credit ending in XXXX but I noticed that I have an OVERLIMIT amount due now for XXXX so they do n't allow me to pay less than XXXX This Included XXXX OVERLIMIT plus XXXX of minimum payment which gives a total of XXXX. This called " over limit '' is unfair, abusive practice that this bank usually use in most of their accounts. the names they use for this practice are : called OVERLIMIT Amount or OVERDRAFT. Also, I tried to complain about this issue, but they did n't leave me do it, claiming that this are part of their " normal banking policies. '' For this reason, I am writing this complaint against wells Fargo Bank because they must stop this illegal practice and I request to cancel this unfair charge, so I could proceed to pay the amount of XXXX due
on XX/XX/XXXX, 2017.
Thank you for your attention Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was expecting a credit report as apart of my service with XXXX  ( their Permium Plan ) and did not receive it. I also noticed that XXXX had not reported my credit building credit line to Equifax since XX/XX/XXXX. I have been a customer since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX customer service and asked them why they were not providing a credit report for the month of XXXX, and why haven't they reported my line of credit since XX/XX/XXXX, a 6 month delay in credit building. XXXX confirmed that the company will not be able to resume services as agreed until approximately XX/XX/XXXX. I asked them why they didn't notify there customers that they were not going to be able to meet the terms of agreement and got no answer. I asked for a credit for those months and was refused. Unfortunately many consumers believe that there service has been reporting a credit limit in order to rebuild there credit as advertised to 2 bureaus and the company is scaming them. Please do an investigation and help notify there customer of XXXX 's breach of contract.
Product: Debt collection

XX/XX/2016 I sent a letter form to JVS Group requesting information about a debt that was on my credit accounts. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me. I did not receive the requested information to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to contact them again and they sent out the verified information, which is incorrect. I have not received the information that I requested from them. I will attach the letter I received from this company along with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknow things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with the fraud department for Experian, XXXX and XXXX. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX OF ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2020
Product: Checking or savings account

XX/XX/XXXX, XX/XX/XXXX I have requested change of password and to inquire about the account via the website which claims I max attempts to change password. I then contacted the customer service XXXX several times being left on hold 30 plus minutes without any rep answering. BankMobile XXXX has numerous complaints against their company online. Unfortunately, this company is what many schools choose to bank with in order to give access to students for financial aid. Unfortunately the inability to access my account affects schooling. Please assist
Product: Mortgage

We purchased our house without any knowledge that the property had issues with severe flooding and have made several attempts to make several of the mortgage companies that we have had over the years.
Apparently severe flooding issues with a property do not matter much. One of our mortgage companies was   XXXX   XXXX    after we provided kondaur with photos of the flooding and at the end of the day we wound up in a forbearance agreement which we completed in hopes of having a more affordable monthly mortgage payment but after we made our last foreberance agreement payment our mortgage was promptly sold to   XXXX   XXXX   and after still having issues with property flooding yet again we are being asked to do another forbearance agreement for 24 months and we would be doing this WITHOUT the knowledge of what happens after the 24 month period. Instead of this company offering us a realistic and affordable way option to get on good terms they have all Of our financial information and are well aware of our financial capabilities. So in short we are interested in some kind of resolve that would be realistic and actually allow a family of five 3 of which are in school from elementary school thru college we also WANT them to come and physically come and inspect the property so they can justify the value they have placed on it. We think that   XXXX   XXXX  l deceived   XXXX   XXXX   when it was purchased we seriously very much doubt that  XXXX  disclosed the flooding issues this property has. And if in fact that is the case that would mean that   XXXX   XXXX   would have a legitimate Compliant that they could pursue with   XXXX   XXXX  . When you view the photos that are uploaded for review we like someone to explain and justify NOT being able to come to A Reasonable solution.