23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Kindly adjust my credit report and swiftly eliminate the public record currently shown. I've provided the essential documents to back up my request. I appreciate your immediate action on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Ally Financial XXXX. I've requested all documents needed to finance the lease buyout through a separate bank. They have outright refused for a month now and my lease is up and they are charging daily fees now. They have intentionally sent the wrong documents or dated incorrectly. They are refusing to send the bank I chose simple things like a lien release guaranteeing that they'll send the title and how long it'll take for that bank to receive it. The Lease buyout letter is always dated for XX/XX/XXXX even to this day. I have called somewhere around XXXX times. They refuse to escalate my situation to managers. They'll even tell me that someone will call me in 2 days and that never happens. I already have an approved loan and can't secure it because they want to be protected and without Ally providing documentation committing to providing this other bank the Title they don't want to finalize the loan. HOWEVER, Ally Financial is TOTALLY willing to provide me a loan direct through themselves with XXXX effort for their horrendous interest rates. There's TONS of other people suffering from Ally Financial 's exploitive behavior. You can search online and see tons of other people describing the same issues. Even other banks know that they do this.
Product: Mortgage

Please note this is NOT A DUPLICATE complaint. It is another complaint on Freedom Mortgage for different violations. 
FM falsely and wrongfully reported me late on mortgage payments to the credit bureaus resulting in a denial of credit to refinance. See copy of email denial below. 
" On XX/XX/2016, at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : XXXX, Thank-you for your on line application. The information on the application meets the guideline we are required to send a loan estimate. See attachment # 1. Unfortunately we are not able to take your application at this time. Your loan is ineligible due to a 60 day late payment and a 90 day late payment reported on your credit report by Freedom Mortgage within the last 12 months. The 2nd attachment contains your credit score disclosure. On page 2 of the disclosure is information on obtaining a copy of your credit report. We are not able to provide you with any additional information regarding the reason or the status on the reported late payments. You will need to contact your mortgage servicer and discuss this information with them. The information is being reported by XXXX. Before XXXX would be able to proceed with an application there can be no mortgage late payments being reported within the last 12 months on your credit report. I am sorry we are not able to assist you at this time. Thank-you. 
XXXX XXXX Mortgage Consultant XXXX # XXXX XXXX XXXX, MI XXXX XXXXXXXXXXXX Phone XXXX Fax XXXX '' FM has not posted payment on the correct dates and places and has not provided a mortgage balance after each payment is posted. The Monthly statements do not match the loan overview. 
FM has violated the policy on your website for mortgage lenders to follow. 
1. Servicers have to give you a written mortgage statement1 each billing cycle showing : What you owe on the current bill, and how much, if any, will be applied to principal, interest, and escrow. If your mortgage loan has multiple payment options, the statement must show whether the principal balance will increase, decrease, or stay the same for each option listed. 
Payments made since the last statement How previous payments were applied Transaction activity ( including any fees or charges to your account ) 3. Promptly credit your payments. 
Servicers have to give you credit for your full payments as of the day they come in. If you pay only part of what you owe, the servicer may hold your partial payment ( s ) in a special account. But, the servicer must tell you about this on your monthly statement. When that special account collects enough money to make a full payment of principal, interest, and any escrow, the servicer has to credit that payment to your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a Identity theft complaint on XX/XX/2021 to all 3 Bureaus and attached police report, drivers license and proof of address. 

Equifax is the only bureau that has not deleted the unauthorized inquiries..
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security card was stolen with lots of my document in the year 2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report
Product: Debt collection

On XX/XX/XXXX I submitted a claim on Complete Credit solutions , Inc to validate debt that was owed. I reach out to them but they didnt respond to my request. I reached out again on XX/XX/XXXX when the claim came back to me as a duplicate. I havent heard anything from the company as of XX/XX/XXXX which is well past the 30-45 day timeframe. According to my consumer laws which they are violating this must be removed immediately from my consumer report. Furthermore they are still trying to collect on a debt that is pasted the statute of limitations to collect in my state of Texas which is 4 years.
Product: Checking or savings account

While at citi bank on a Sunday XX/XX/XXXX XXXX 2024 at approximately XXXXXXXX XXXX to XXXX XXXX a period which presented themselves as a cit bank sercurity guard stated that its a problem with the atm not working properly and instructed me to try the atm at the drive through window outside away from the lobby area, this was around XXXX XXXX  XXXX XX/XX/XXXX sunday and this was After i typed my PIN numbers in, once I typed my PIN number in this individual rushed to the screen and started tapping on it saying its not working use the one in the drive thru Once i left to go to the drive thru this individual a XXXXXXXX XXXX male about XXXX ft to XXXX medium build, XXXX skin in a green vest with the word security on it proceeded to the same atm i was at while i was walking out of the lobby to the drive thru atm once at the drive thru i atempted to make a withdrawal and the message came back insufficient funds this was a account the had over XXXX dollars in it when I left to go ro the back now shows XXXX and some change shortly after that I noticed the security guard was gone with the vehicle that was parked outside and at that point I received a alert saying XXXX had been withdrawn from my account. I immediately followed up by calling the fraud department and explained what had happened and who was in the lobby dressed as a citi bank security guard. The citi bank fraud department said they would investigate the incident and provide a provisional credit for the amount pending a investigation which could take up tp 45 days. On XX/XX/XXXX XXXX days after the incident I received a message from the bank stating my funds woul not be reimbursed. I meet with the bank branch manager who disclosed to me this was a scam this had happened before at various banks and citi was aware the bank mgr name is XXXX XXXX AT XXXX XXXX XXXX XXXX illinois. I filled a police report with XXXX police the report number is XXXX The officer who take the complaint is badge number XXXX.
Product: Credit reporting or other personal consumer reports

THE UNAUTHORIZED INQUIRIES HAVE BEEN HINDERING ME TO ENJOY MY LIFE BECAUSE THEY KEEP SHOWING UP ON MINE EVEN THOUGH THAT THEY'RE NOT MINE.PLEASE CHECK THE DOCUMENTS I'VE SENT TO HOPEFULLY REMOVE AND BLOCK THOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX Account # XXXX Is currently reporting late on my credit report starting from the month XX/XX/2023 to XX/XX/2023 which is INACCURATE. an I request that the late payments be IMMEDIATELY Removed an updated
Product: Credit reporting or other personal consumer reports

I asked for Experian, XXXX, and XXXX to conduct an investigation regarding the amount due on my accounts, and to verify the information is correct.
Product: Debt collection

I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : 1. Proof that I am responsible for the debt : Documents demonstrating that I owe this debt.

2. Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Product: Debt collection

Contacted Wells Fargo Financial about a joint account that showed up on my credit report. I have never had a joint account and they could not tell me where this item came from. The charge/off of this account by Wells Fargo Financial has had negative impact on my credit rating.
Product: Credit card or prepaid card

I have submitted to capital one credit card a dispute for 2 charges that were charged on my account from XXXX and XXXX XXXX that were billed on XX/XX/2018 and those charges were for XXXX dollars and the case number was XXXX and the other dispute was for XXXX dollars billed on XX/XX/2018 and case number was XXXX and the. Reason I disputedthe charges is because I was charged for parts that the merchant did NOT install in my car and fraudulently charged me for those parts and services that were NOT done on my car and I discovered this after I picked up the car. XXXX and XXXX XXXX lies and did NOT do the job completely and were very unprofessional and NOT honest. They overcharged me by adding charges to the bill for parts and services that were not done to my car. Now capital one Visa card account number ending in XXXX. Capital one refused to refund me the money and asked for opinions of other merchants and things whivpch are impossible for me to get. 
I did NOT receive what I paid for and I disputed the charge and I want my money back. But capital one Visa card refuses to listen to me and refuses to resolve the dispute and refuses to refund me the money and they ruled in favor of XXXX and XXXX XXXX In XXXX Alabama and there address is XXXX XXXX XXXX in XXXX alabama XXXX and phone number XXXX who is a big lier and a scammer. They charged for parts that were never installed and services that were never performed
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
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 XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

XX/XX/2020 my private loans with University Accounting Service were paid in full ( {$5000.00} ). Because I pay on time and did not want to miss any payments, I overpaid University Accounting Services ( now known as UASConnect ) by a total of {$400.00} ( {$100.00} on one loan and {$300.00} on the second remaining loan ).

I have called customer service 10x in the past 6 months as well as emailed several times with no resolution or refund issued to me for money owed. 

I have attached several supporting documents.
Product: Money transfer, virtual currency, or money service

The situations selected are not actually my situation. I selected the closes match. I filing this complaint against Pentagon Federal Credit Union for issuing 2 money market Certificate to the wrong address and they were cashed by some unknown person. I have been working with Pentagon for last 4 mos.trying to obtain images of the cashed/paid checks but no luck so this why I am contacting you. I am trying to find out why would Pentagon issue this checks when they matured without confirming with the owner. I requested to see the check images and know where the checks were sent but no luck because they said this occurred too long ago. On XX/XX/11, I opened a total of 9 money market certificates worth over $ 30k for my children, nieces and nephews on behalf of my terminally ill mother, who's last request was to leave some money for each of her grandchildren so she asked me to obtain certificates. All but 2 of the 9 received there money when the certificates matured. In the meanwhile, my nieces are out of their money because of their error/negligence. This is just coming to light because one of the owners ( my niece ) asked for her money and recently had twins. Certificates were opened XX/XX/11 and paid XX/XX/11 starting value {$2000.00}, 7 years term.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts appeared on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I kindly request a thorough review of the documents Ive submitted so I can have peace of mind moving forward.
Product: Credit card

Comenity bank is supposed to award me {$200.00} cash back after {$1000.00} spent according to a preapproved promo mailer. 

They keep getting it wrong and have not awarded me my money. 

Tech difficulties with their portal also prevent messages from being sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$730.00} that appears related to the aforementioned personal credit account opened at XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Ditech XXXX XXXX XXXX  mailed notice of escrow shortage on XX/XX/2019. The notice was received on the XX/XX/2019. On XX/XX/2019 contact was made with Ditech and a request for the due date was questioned. The letter fail to inform the due date of the shortage prior to automatically adding the shortage payments of {$40.00} to my monthly payment. The letter stated that the monthly payment will also be changed and the date for this falls on XX/XX/2019. How can this be possible? Ditech did not included a final due date on their letter of intent and forces a monopoly control on the mortgagor ( s ). This action to increase and force a higher payment is wrong and does not comply with the Statues of Limitations Enactment Laws. I have requested for full review of Escrow from the date of our account and property assessments from XXXX County Tax Assessor. ( Please request these for me ) I have requested the contract and yet to received my request. ( Please ask for them ) I understand that taxes increase, but Ditech must not increase without notice of a due date payment. 
Please help.
Product: Credit card or prepaid card

Since submitting my original complaint ( XXXX ) regarding the receipt of multiple unsolicited credit cards from Bank of America , I received a bill for the Annual Fee for one of the cards. I tried to call the Bank of America customer service representative who is reportedly assigned to my earlier complaint and was repeatedly sent to voice mail. This issue has gone from an annoyance and concerns about fraudulent use of my information, to an attempt to extort money directly from me. Given the lack of attention to the original claim, I am concerned that Bank of America may be involved in such activity on a wider basis, and would be willing to discuss my case with CFPB investigators.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis has been told to stop reporting information and they confirmed twice deletion of account information, yet they continue to commit FRAUD. They do not have my consent to report any information due to fact the information is FALSE, DEFAMATORY and VIOLATION OF THE LAW. Furthermore my personal information has been compromised due to several data breaches recently NexixLexis MUST REMOVE ALL INFORMATION PERMANENTLY and The name LexisNexis shall not appear on any CREDIT REPORTS moving forward PERMANENTLY, thank YOU
Product: Vehicle loan or lease

I am very upset with how I was treated by Huntington bank on XX/XX/XXXX. I had called in to figure out why I was charged with my car payment of {$470.00} and {$200.00}. I had called XX/XX/XXXX staying that I could not make my car payment. The man was like okay well can you at least pay {$200.00} today and {$270.00} another week. I agreed and he said my bank account would not be charged the {$470.00}. Well it was charged with both which at the time put my account at XXXX. My son has been battling XXXX  XXXX and it has been so so hard to pay things lately due to our hospital bills. Obviously our son comes first. When I called XX/XX/XXXX I spoke to a man who named XXXX who was rude. He had no sympathy for me said that they would have to investigate instead of giving me my {$200.00} or {$470.00} back to me. I was bawling my eyes out on the phone and asked to speak to a manager instead and he said that would not do me any good. He literally did not even try to reassure me. At this point I do not even want to talk or deal with this loan company anymore. I made a complaint about my situation, a woman called me then never got back to me!!! I just want a huge apology and the company to say they will do whatever to help me through this tough time.