23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.
Product: Credit card or prepaid card

I returned several products to Costco over the last 2 / 3 years.

Costco issued a return receipt. I assumed the bank has credited my account with said amount. But the bank would not issue refunds on certain transaction types. This has been going on for a long long time. How do I get the bank to repay me all the money. That they are holding, which actually belongs to me. As it is my tax paid money.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing the overall credit profile, the Bureaus of Account Management continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department XXXX XXXX XXXX.
Product: Debt collection

Subject : Urgent Complaint Against Sunbit - Continued Payment Demands for XXXX XXXX by XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a serious complaint against Sunbit, a third-party financial institution, for their persistent demands for payment and threats to damage my credit, despite clear evidence that the services they are attempting to collect payment for were not only unethically executed but also not received by me. 

This situation involves XXXX XXXX XXXX, a dental hygienist, who was found guilty of conducting unethical dental procedures by the XXXX  XXXX XXXX XXXX on XX/XX/2023. 

On XX/XX/2023, Sunbit demanded a payment of {$690.00} for services that I never received, and those I did receive were of such poor quality that they were unusable. I have provided Sunbit with ample documentation, including written records, which clearly indicate that XXXX XXXX XXXX was not only under investigation at the time but was also found guilty of numerous ethical violations by the XXXX  XXXX XXXX XXXX. Despite presenting this information, Sunbit has chosen to ignore the evidence and continues to pursue payment, even threatening to report this as a failure to pay on my credit report. 

It is crucial to note that, according to Texas state law, it is illegal to force an individual to pay for a service or action they did not receive, particularly when the responsible state agency has ruled that unethical procedures were performed.

Sunbit 's insistence on collecting payment for these unethically rendered and unreceived services not only puts them in direct violation of the law but also demonstrates a complete disregard for consumer rights and ethical business practices.

In light of these circumstances, I demand the following actions : 1. A comprehensive investigation into Sunbit 's collection practices, specifically their insistence on pursuing payment despite clear evidence of unethical services provided by XXXX XXXX XXXX. 
2. Immediate cessation of all payment demands related to the services provided by XXXX XXXX XXXX and a written acknowledgment of the illegality of their actions. 
XXXX. XXXX that no negative impact on my credit report will result from this situation, and any existing reports be removed promptly.

4. A commitment from Sunbit to adhere to ethical business practices and consumer rights, including abiding by the rulings of the XXXX  XXXX XXXX XXXX. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and act promptly to ensure that Sunbit is held accountable for their actions. By pursuing payment for services deemed unethical and not received, Sunbit is causing undue harm to me as a consumer, and this matter requires immediate attention and resolution. 
Thank you for your consideration and swift action on this urgent matter. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Merchant : XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX Contact number ( XXXX ) XXXX *I am plaintiff # 5 in the attach document
Product: Mortgage

I an being charged fees that are not explained and charged for late payment when there is none. 

Thanks,
Product: Mortgage

Select Portfolio Servicing told us on XX/XX/2021 to submit an application for modification. 

On the SAME DAY, XX/XX/2021, they scheduled the house for a foreclosure sale date so it appears that there was NEVER going to be a review of the modification application. 

Called and spoke to XXXX on XX/XX/2021 and she could not answer the question as to why we were told to submit modification application and house was scheduled for sale on the same day.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on Equifax It's ( XX/XX/XXXX ) if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed inaccurate. Account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I would like all accounts removed from my credit report 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 CAPITAL ONE AUTO FINAN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected by Equifax credit Bureau which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Product: Credit reporting or other personal consumer reports

So on XX/XX/2023 I disputed a charge off that appears on all of my XXXX credit reports, from XXXX XXXX  XXXX And On XX/XX/2023 All the credit bureaus responded to my dispute saying they verified the account as accurate. 
I also wrote a letter directly to The bank Mentioned above for Validation of the Debt They werent able to provide that. 
I also called them and the information they have such as name and address are incorrect. 
I am contacting you guys because I need help removing this account from my file since it doesnt belong to me. They are unable to prove this account is mine so why it keeps appearing on my file is totally wrong. I hope you can help me resolve this problem thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Product: Credit card

I have several accounts with Synchrony Bank. Currently my issue is with Care Credit. I have had the same issue with my Lowes account as well as my PayPal Master Card. 

My initial credit limit for Care Credit was {$3500.00}. I have had the account for XXXX months. I have never missed a payment. I have auto pay set up to almost double the minimum amount due to pay the balance down quickly. Was finally making progress on the balance and they reduce the credit limit to {$2700.00}. Affecting my credit score. The same was done with Lowes and PayPal previously. I have been actively and vigorously working hard to pay off all debt this passed year to raise my credit score. In the past XXXX months I have had a reduction of XXXX in my over all debt. Yet feels like I am still being punished by reducing the credit limit, directly affecting my credit score. I called them to file a complaint directly through Synchrony and they said I had to dispute it with the credit bureau. The credit bureau is not who reduced the credit limit. They refused to help so I closed the account. Which will also reduce my credit score, but refuse to continue to do business with a company that does not reward people for paying their bills. I will be closing the other accounts I have with them as well.
Product: Payday loan, title loan, personal loan, or advance loan

I was mislead about getting this loan to pay off other debt. their reponse was that my account is current, but it is not and i can't pay it.
Product: Credit reporting or other personal consumer reports

I'm addressing this complaint in regards to undisputing a collection made to Midland Credit XXXX in my XXXX credit report. I will be closing on a home XX/XX/year> and is very important for me to get this resolved. It could affect my closing date if I can't get this sorted out by then, I have tried calling XXXX  times on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to try and get a response to remove this dispute off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Reference Number XXXX Court US BKPT CT PA XXXX is showing on credit file after being discharged. Bankruptcy having a negative impact on credit file. Sent letter to courts for validation no information was received. Been over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my student loans was consolidated with another lender on XX/XX/XXXX US.DEPART OF EDXXXX address for this company is XXXX XXXX XXXX XXXX XXXX IA XXXX place 6 negative charge offs on my credit report on XX/XX/XXXX in the amounts of {$2200.00}, {$2500.00}, {$3500.00}, {$4000.00}, {$1500.00} and {$2000.00} I have reached out to the lender and filed multiple disputes and it keeps coming back as correct information. I have my documentations from my current lender showing my accounts are current and in good standings and it is not charged off
Product: Credit reporting

XXXX XXXX brough this debt from XXXX. I canceled this insurance do to finding new insurance and now they are saying I owe them {$120.00}. Idk how when I CANCELED the service. This is a scam.mhow do I owe when I canceled.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I have a auto loan I made every payment on since getting the car in XXXX. The dealership did somethings which has me needing a new car without wasting your time. Chrysler pre approved me for a new loan. I shopped around for a vehicle, and put {$23000.00} down. They approved the loan and gave a list of stipulations I complied with. After doing so they keep coming back each week asking me to do more things they didnt ask for at first when approving me. Today they wanted a phone interview even though I never applied for a job. I have had 3 car loans from Chrysler and they have never asked for a phone interview. They are doing This to prevent me from getting a better interest rate and a car that is not defected. I tried purchasing a new vehicle instead of complaining but Chrysler leaves no options. Spoke with XXXX XXXX and did a phone interview at XXXX her employeee id was XXXX she said that the deal would be funded. Then at XXXX they said I didnt do a interview. They lying
Product: Vehicle loan or lease

For the past few years that I've had this car there has been a precedent set by Bridgecrest for notifying of delinquencies. The few times I unfortunately got to the repossession stage I would receive an email telling me exactly what date I'd be up for repossession and there would be a banner on the web page when I logged in notifying of that same date. 
In XXXX I received such a notification and my car went up for repossession. My wife spoke with the reposession agent and told him that we were in the process of filing bankruptcy. He said he would take that information back to Bridgecrest. Two days later he was knocking on our door bright and early telling us that Bridgecrest advised him to pick up the car whether we were in bankruptcy or not. 
My wife called and spoke to an agent about the matter and gave the agent the last {$650.00} we had to our name. It meant we were going hungry but we needed the vehicle. The agent told my wife this would stop reposession and give us time to work something out. This was on XX/XX/XXXX. 
We started trying to gather money to get caught up and to pay for our bankruptcy filing. On XX/XX/XXXX, in the middle of the night, the day before XXXX, with ZERO warning, our car was reposessed. The agent pulled it so hard there are still marks on our driveway ( that we would like fixed ). There was no email with a reposession date, no banner on the website. None of the notifications that had been established over the life of the loan. Its as if because they knew we were filing bankruptcy they decided to just snatch it, and worry about it later. 
At this point we don't want the car back. We'll only be giving it back in bankruptcy anyway. What we do want is for Bridgecrest to keep the vehicle, remove it from my credit report, and not come after us for any deficiency. Bridgecrest was told numerous times about our bankruptcy filing and we will have no problem reporting them to the trustee for violation of the automatic stay that is in place. In lieu of reporting that and causing them legal and financial trouble, we simple want our business with Bridgecrest to be complete. We would like to go get our personal belongings from the vehicle and then would like something in writing from bridgecrest stating that the entire account will be removed from my credit report and the deficiency balance waived. We are prepared to take this to our trustee and as far as we can because what Bridgecrest did was wrong and they know it.
Product: Checking or savings account

On XX/XX/24, Chime deducted {$450.00} from my account, for a " Web Upgrade ''. They will provide no information regarding this bizarre charge, and when I attempted to dispute it has fraudulent, they told me I can not report fraudulent charges, and forced me to close my account instead. They've stolen XXXX from me, and will not allow me any form of recourse.
Product: Student loan

I applied for the SAVE program to reduce my student loan monthly payments as my spouse recently changed jobs and was out of a job for a few months. They did not inform me that payments were late due to them changing the amount I owed and the payments being on autopay. I was told months later that I owed hundreds of dollars. I applied for the SAVE program and was told it would take 10 days to process my application. It's been over two months and I have yet to hear back from them.