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

I sent the following to XXXX on XX/XX/year>, to cancel the account and stop the automatic payments since I couldnt do that online. I'd like to cancel the vehicle protection plan. I don't want to pay for it and never planned to sign up. I was forced to by the dealership and do not want it. Please cancel it and reply to me with a confirmation. l 've called your number multiple times and the call can not be completed. That's really weird. I also, tried to cancel online but your website won't allow me to do so. I'd also like a refund because I'm told I didn't have to have this service. I was lied to by the guy XXXX at the dealership who was no longer working there XXXX weeks after I made my purchase. How can I receive the refund? They never replied or canceled the account. I sent another email XX/XX/year> that was blocked. Then another on XX/XX/year>. Finally they replied to me with, Unfortunately, the email you submitted was incomplete we will need a signature and for the information request below to be completed to properly cancel. You can write the information on a piece of paper sign it and email it back to us. It appears you submitted the information to the main office, and they closed your case out due to the missing information. If there is any refund due to you it will be issued by the main office. Upon receipt of your request, we will deactivate your billing so you are not charged any further monthly installments while your cancellation request is being processed. Allow XXXX business days for processing. To check on the status of your request, please call XXXX and select option XXXX. 
Thank you for being a Mopar customer and we look forward to serving you again in the future. Once I did what they asked, I received this response Thank you. Your cancellation request has been received and entered. There will be no further billing activity on your payment plan. Please allow 21 days for processing. To check on the status of your cancellation, contact XXXX XXXX XXXX at XXXX, option XXXX. 
I do apologize for your inconvenience, but the information submitted wasn't submitted to the billing department so I can't advise why you weren't sent an email letting you know the information submitted wasn't complete it is XXXX different departments. 
Thank you. So it went from XXXX business days to 21 days to process. I still have yet to receive any confirmation of the cancellation in writing or the refund for XX/XX/XXXX and XX/XX/XXXX payments that should not have been taken. I had to cancel that card so that they would stop taking from it. Now Id like my refund to another card or a check mailed to me. Every time I try mail the main office my emails are being blocked. See proof with screenshots in attachments.
Product: Credit reporting or other personal consumer reports

The occurrences of this situation are as follows : 1. We attempted to make the payment for my mortgage for XX/XX/year> through your online payment portal and received confirmation that the payment was accepted. However, we inadvertently entered incorrect banking information into the payment form and the payment was not accepted. 
2. Unfortunately, we were not notified that the payment was not processed until after it was reported as late. We were completely unaware that the payment had not gone through until we received a delinquent notice in the mail.

3. Upon receiving this notice, we immediately took action and made the payment in full to bring the account current.

4. Since then, the mortgage has been fully paid off, and we have no further outstanding balances.

This incorrect reporting of a late payment has caused undue harm, as it has negatively impacted my credit score and is now preventing me from being accepted for another mortgage. I respectfully request that you review the circumstances surrounding the XX/XX/year> payment issue and update my credit report to reflect the accurate payment history. 
Given that the payment was made promptly upon receiving the notice of delinquency and the loan is now paid off, I kindly ask that this erroneous late payment be removed from my credit file.

A call was made to Carrington to receive an update on the processing of the dispute, but none was provided.
Product: Credit reporting or other personal consumer reports

I need the bureaus to take into account the information they are reporting in my report and validate it since I have seen many inconsistencies in the report, I have sent notifications to them and they have all been ignored. Please take into account the attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information was reporting to my credit file held bt them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the following items to be removed from my report as soon as possible : XXXX : XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXXXXXX 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 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
Product: Credit card or prepaid card

I opened a Scheels credit card through FNBO. They have made it impossible for me to create an account and will not give me any information about my card. When I asked what the balance is so I can pay it off, they refused to tell me.
Product: Checking or savings account

Over the last two and half years Regions has continuously charged us overdraft fees even when we signed up for it to transfer money from Savings when an overdraft occurred. We discussed this problem time and time again with no resolution. We have slowly started moving funds to another bank. However, the little we still do have in regions continues to to have or charge us with hundreds of dollars in overdraft fees ( when they easily could withdraw from our savings to cover the amount ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquiries as follows XXXX  XX/XX/2019XXXXXX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 andXX/XX/2019XXXX XXXX XXXX XXXXXX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

I contacted Equifax regarding some unauthorized inquiries that were listed on my credit report. The items listed below are requested for deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's Fraud Department would not assist with deleting the negative inquiries reported on my credit report.
Product: Debt collection

Back in XX/XX/XXXX my insurance company was changed by my employer. The hospital XXXX XXXX never contacted me regarding the outstanding balance not paid by insurance company. The original amount stated by hospital was XXXX dollars. XXXX is attempting to collect a debt of XXXX I spoke with XXXX at XXXX hospital regarding the account and was informed that the hospital protocol was not followed in attempting to contact myself regarding the outstanding balance not paid by insurance. I have been offered by XXXX hospital a  financial assistant program that would remove the collection from my credit report. But after speaking with XXXX, and XXXX at XXXX collections, they stated that they can not remove a collection from the credit bureaus. This is annoying and wrong! 

XXXX XXXX Last reported XX/XX/XXXX {$790.00} Reported balance Original balance {$750.00} You owe 106 % of the original balance OVERVIEW OpenedXX/XX/XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameXXXX XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I purchased a XXXX product and financed it with TD Retail Card Services. I electronically overpaid the balance by {$350.00}. I contacted their customer service for a refund of the overpayment and was advised that I must wait 16 days from the date of the last overpayment to get my money back. I spoke with a supervisor named XXXX who advised that the 16 day wait is " their policy ''. 

I don't understand how they can hold my overpayment for 16 days when the account is paid in full and I have requested a refund.
Product: Credit card or prepaid card

Hi, I placed an online order on XX/XX/XXXX, the merchant charged my Citibank credit card on the same day. But the merchant never shipped the items to me or refund the item, even though the merchant refused to do anything ( send me the item or refund ) and from that time to now ( XX/XX/XXXX ) I never received the items, after I contacted them. I had to dispute this transaction through the online bank on XX/XX/XXXX. After a few days, Citibank emailed me that this case has been solved. Yesterday I found that the amount I disputed on XX/XX/XXXX was charged to me again on XX/XX/XXXX. It is so weird, I checked all the transactions on my Citibank credit card several times between XX/XX/XXXX and XX/XX/XXXX, but I did not see this transaction. I think this transaction happened after the credit cards statement was issued ( the issue date is XXXX every month ), but this transaction was charged on XX/XX/XXXX. Why is this happening to my online bank? What did Citibank do? 

Thank you for your time and attention Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about XXXX in XXXX minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX financial loan was approved online but never picked up by the scammer and an XXXX account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report XXXX times and I still have not received from Equifax and XXXX. I have tried to explain I did not open this account.
Product: Checking or savings account

On XX/XX/XXXX  I received a call from Citizens Bank asking about some recent charges. I verified that the charges were not made by me. While on the phone with the agent I decided to log into my account. There was one more charge for {$600.00} that I was asked about and I once again stated no, I dont recognize the amount. The agent then sent me a code via text and asked me to repeat it back once I received it. I did. Then he told me to text the word yes to verify the charge was fraudulent...... I did. To my surprise I saw {$600.00} vanish from my account. I tried to speak up, the agent said no worries the money will appear back in my account within the hour. I knew I had been duped. The criminal had opened a XXXX account and stole my money. Since that time I have filed a complaint with Citizens Bank and talked with them numerous times. They refused to reimburse me as they said I authorized the charge. I visited my local branch, they were no help. I filed a police report and 2 complaints with the attorney generals office. I continue to fight to get my money back. I am XXXX XXXX XXXX, recently retired. I simply can not afford to lose money. I hope someone on your end can help
Product: Debt collection

My credit card was charged without my permission, at which point I disputed the validity of such a charge. The credit card company posted a credit in the disputed amount to my account pending the outcome. The investigation concluded that my dispute was invalid, at which point the credit was put back as a valid charge. I attempted to resolve the issue prior to this point without success. 
I have my credit card statement showing the charge back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against PayPal for wrongfully withholding my funds and restricting access to my legally earned money without cause or justification. Despite my full compliance in providing requested information, PayPal continues to delay the release of my funds and has made unreasonable demands that do not align with their policies or standard business practices.

This is a clear violation of my consumer rights, including : 1. Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) PayPal is unlawfully restricting my access to my own money without legal justification.

2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 PayPal is engaging in deceptive and unfair business practices by wrongfully withholding my funds.

This ongoing delay has caused me financial hardship, and PayPal has failed to provide any valid reason for restricting my funds. I am requesting immediate action to resolve this matter and restore access to my money.
Product: Debt collection

I was trying to make apply for credit to make a large purchase and was denied due to a collection from Receivables Management reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Receivables Management nor the original company that owns the debt. I don't even know who the original company is that owns the debt. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit report. As a victim of a data breach, I did not authorize these inquiries, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request their deletion.

Unauthorized Inquiries to Be Deleted XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX Negative Accounts : 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 XXXXXXXX Transunion Negative Accounts : 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
Product: Credit card or prepaid card

My wife is currently unable to work full-time due to our children being in hybrid schooling because of the covid pandemic. I reached out to Comenity bank because we are struggling as she used her unemployment due to a previous lay off due to covid she has very little income. They are refusing to help us at all with our payments, I have 3 credit cards through them, XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXX. They will not give any help. There is no way feasible at this time that I am able to pay these credit card payments at this time. I only asked for the one month we missed last month on both and the one we can not make this month, they will not help. This is unacceptable in times like this that they are so uncaring and heartless toward their customer 's.
Product: Debt collection

I received XXXX calls from XXXX in regard to a debt that I do not own them. They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social security number and my vehicle make and model and license plate number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so. I've received multiple calls per day which is also illegal per the FDCPA that reads " it prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I have received no documentation of any debt owed to them. They are clearly violating my rights as a consumer and violating the FDCPA and the FCRA. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws. Please note that I am not concerned with the verification of this debt. Send me the VALIDATION at once. In your validation response., provide me with the following : 1 A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is and when this account was the last paid to the original creditor and an originating document with a wet signature 4. Send me prof that the statute of limitations on the account has not expired. 5. Include your license number ( all of them ). and your registered agent 's information. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempts to contact me regarding this account other than to notify me of your error by regular postal mail. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this immediately.
Product: Credit reporting or other personal consumer reports

I called the company to remove Hard Inquiry Removed from my credit report because I didnt authorize the inquiry.
Product: Mortgage

In XX/XX/2019 my girlfriend and I decided to buy a house our first house after months of searching in different communities we found one that met all our need. We got in touch with developer Lennar and the experience was pleasant from the start until we decided not to go with his bank of choice. At this point, Lennar 's team has been very harassing and lack of coordination in their internal processes. They have tried to speed up the closing of my house because the fiscal year closing is in XXXX and because my lender does not have the documentation yet I am requesting to move the closing date but Lennar does not agree. even though they have failed to send all the documentation on time and my lender works overtime to have my loan approved, it is not going to be possible to close and now Lennar is threatening to put my house on the market again.