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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00} XXXX XXXX  XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Vehicle loan or lease

The car was taken back for a lemon law dispute and was returned with XXXX recite saying they would contact the credit agencys about the problems the car was having
Product: Debt collection

Upon ordering my Credit Report in XX/XX/XXXX, I noticed a Closed Chase Credit Card with a balance of {$3300.00} that I did not recognize. I immediately called Chase on XX/XX/XXXX and spoke with service rep XXXX XXXX. I asked her for more details on the account and advised her that this was a fraudulent account. I then asked her to please send me proof that this account belonged to me along with the original signed application in order for me to show that it was not me who opened this account. I further hoped that the application may provide clues to who may have. 

On XX/XX/XXXX I received a letter from Chase stating that they no longer had the requested information. I have attached that letter. On XX/XX/XXXX, I requested to open a fraud claim with XXXX XXXX. On XX/XX/XXXX, I made a follow up call and spoke with rep XXXX who told me that the previous rep did not open a claim as I requested. She told me she would do it at that time. 

To ensure that my claim was submitted, I also submitted a written request along with an identity theft report to Chase on XX/XX/XXXX. On XX/XX/XXXX I received a response from Chase only stating that they had verified this was my account but did not provide me with any signed documentation as proof that I opened this account. 

I attest that this is a fraudulent account and I would like it removed from my records immediately. 

Please note that a fraudulent account was attempted recently at XXXX XXXX XXXX which caused my initial inquiry into my credit report. XXXX  XXXX XXXX was able to immediately rectify the situation and a fraud alert was placed with XXXX, XXXX  and XXXX.
Product: Vehicle loan or lease

I contacted M & T Bank on numerous occasions once I received my XX/XX/XXXX statement and it reflected {$520.00} due with {$62.00} late charges for XX/XX/XXXX. Yes, I was late on my auto loan due to I missed payments in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I paid {$460.00} on XX/XX/XXXX ( normal payment amount {$460.00} ). On XX/XX/XXXX I caught the remainder past due amount up by paying {$880.00} which is the amount a customer service representative told me was the amount due. On XX/XX/XXXX my statement still reflected {$62.00} due of unpaid late charges. I then take a look at the recent transactions on my account online and it reflects I made a payment of {$820.00} and then a payment of {$62.00} that same day. It then shows on XX/XX/XXXX a payment was reversed in the amount of {$880.00} and then the last transaction shows a payment of {$880.00}. I never made a payment of {$820.00} or a payment of {$62.00}. I made one payment in the amount of {$880.00} which was never reversed by my bank. When I asked why it was reversed they could not give me an answer which is also proof M & T Bank is a fraud. The difference between the actual payment of {$880.00} and the payment M & T Bank is stating I made of {$820.00} is {$62.00} that they are saying I am still late for XX/XX/XXXX. I feel M & T Bank is cheating me out of {$62.00}. I contacted M & T Bank once again on Friday XX/XX/XXXX to get credit for the {$62.00} I paid. I spoke to XXXX who could not explain why {$62.00} is showing still as late so he transferred me to his supervisor XXXX who could also not explain why {$62.00} is still showing as late and stated she needed to reach out to her back office department and give me a call back. The first payment for the auto loan started XX/XX/XXXX. If you add up my car notes due from XX/XX/XXXX to XX/XX/XXXX which is {$460.00} per month totals {$4600.00}. If you add up my total payments from when the auto loan was opened til XX/XX/XXXX totals {$4600.00}. Therefore, XX/XX/XXXX 's payment should have only reflected I owe {$460.00} not {$520.00}. I want credit for my {$62.00} that they are saying I did not pay when I clearly did. For no one at M & T Bank to get to the end of my billing dispute is ridiculous. The customer service representatives and supervisors are worthless. I suggest you never take a auto loan from M & T Bank in your life. When you attempt to catch up your loan they still say you are behind and tell you a payment was reversed when it was not. I want a credit of {$62.00}.
Product: Credit reporting or other personal consumer reports

I don't recall the dates exactly for I was informed that this issue was resolved some time ago. The company Solar Mosaic, was looking to see if I could go solar, sometime spring/summer 2023. A service representative came out and checked our fuse box and related wiring. He could not check the roof due to a bad rain storm that was about to happen, however, he did come back about two ( 2 ) weeks later. The service rep did a whole lot of banging and pounding, repaired the holes in the roof he made for anchoring, and left. I days later received the inspection report, which stated that my roof could not support solar panels, and that to do so it would cost an additional {$20000.00} or more, which I declined, I was informed, after several back and forth telephone conversations that the issue was resolved. A few weeks later, I received a text or email stating that they were going through with the job, which I still have declined, and have not signed any contract. To date, Solar Mosaic has done no work on my roof, and there are not solar panels installed, nor am I interesting in dealing with them. Recently I noticed a balance on my credit report, however, I've made no payments to anyone, and there doesn't appear to be a payment history or showing me as being delinquent. I've repeatedly asked them to remove the account from my credit report with no response, it's been a year now.
Product: Credit card or prepaid card

I have a Credit balance of XXXX Which I used on to pay for services done to my car in XX/XX/2022. The services where never done and I was charged XXXX made A complaint to the creditor in XXXX which they told me to handle with company first..which the company pay me XXXX back on a XXXX Job. Called back today XX/XX/XXXX just for them to tell me they can't help me..they owe me XXXX. The Credit Card Name is XXXX XXXX Card..stay away even if you get fraud they still hold you reliable ... You been Warned stay away from this Credit Card...
Product: Payday loan, title loan, or personal loan

In XXXX and XX/XX/2020, due to loss of employment due to the pandemic, I was over 30 days and 60 days late with my payments to XXXX XXXX XXXX Account # XXXX ; and XXXX XXXX XXXX # XXXX. I have sent 4 letters to XXXX XXXX Chief Financial Officer ; XXXX XXXX VP, Operations ; and XXXX XXXX, CEO asking for removal of the late payments from my credit reports ; The accounts have since been brought current. 

I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to by 3 credit bureau reports.
Product: Mortgage

I closed on a house XX/XX/XXXX. I have made a payment every month of around XXXX. XX/XX/XXXX I made another payment to XXXX XXXX for the XX/XX/XXXX due date, it came out of my bank account on XX/XX/XXXX, not knowing they had transferred my loan to Mr.Cooper. I have called both agencies countless times trying to find the money. XXXX XXXX said they transferred the full payment. I eventually found out from Mr. cooper my account was transferred in XXXX. I have called mr cooper several times over the last few months seeing if they had found the payment. They kept telling me they would look into it and contact me as soon as they found something out or received payment. I would get three to four phone calls a week from their automated service trying to get me to make a payment. After a few calls, when Id answer, it would just be static and noise, no talking or anything. So I made them remove me from the call list. Today I went to make a payment because I had to wait to get the checks from both of my jobs to deposit in the bank to pay the XX/XX/XXXX payment ( which would technically be XX/XX/XXXX since Im still a month behind due to them not having my XXXX payment ) but when I saw that my new payment with two months due was {$1600.00}, I panicked. I couldnt even make a partial payment because they required at least 50 % of total due. I only had XXXX. When I called to figure out why my payment increased that much, after finally understanding since this is my first home, they made a tax payment at the end of 2018 which set my escrow balance at - {$2300.00}. The statement says lowest projected escrow balance at XX/XX/XXXX is - {$2900.00}, minimum amount {$680.00} for two months, amount to be current {$3600.00}. If I was to pay the full amount it would still leave my monthly payments {$770.00}, which theres no way I could just come up with the money to pay all at once. If the amount was added to the 12 months I would have to pay {$1000.00} a month. I got a USDA loan because I do not make a lot of money and rent isnt that affordable. However Im also not at all capable of a thousand dollar a month payment on top of all of my other bills. Now that Ive had help understanding this, I see how theyve screwed me. Ill be happy to provide any more information.
Product: Credit reporting or other personal consumer reports

I visited a creditor in XXXX and agreed to a single hard inquiry for a loan I was applying for. However, I later discovered 13 unauthorized hard inquiries on my credit report. I never gave permission for these additional inquiries. To make matters worse, my loan application was denied, and my credit score dropped by XXXX points as a result. This is unfair, as I did not authorize the dealership to take these actions. I contacted the credit bureaus, and they informed me that the inquiries would be removed once I filed complaints with the FTC and CFPB.
Product: Credit reporting

Most recent address shows XXXX and I have never lived in XXXX.
Product: Consumer Loan

I entered into a lease agreement with Nissan Motors Acceptance Corp. XX/XX/XXXX. On XXXX XXXX, the first payment on the lease was made on their website, XXXX. ALL of my monthly payments are made online. On XXXX XXXX, 2016, I sat at my kitchen table and paid bills. The Nissan payment was never taken from my account. I did not realize this had occurred until I logged into my account in XX/XX/XXXX to make the XX/XX/XXXX payment. They indicated that there were attempts to contact me, however I never received a voice mail from anyone at Nissan. They are unwilling to work with me to clear the late pay from my credit report. This is nothing more than a misunderstanding, and I believe that the consumer should be given the benefit of the doubt. I am attaching the email sent to one of the Managers in the Collections area. The email was sent to both his personal and corporate email address. When I spoke with XXXX today, she again indicates the payment has not been made. I made the payment on XXXX XXXX. Also attached is the letter that I am sending to their Consumer Affairs Department. I am a very frustrated consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

They told me all the information the had was accurate. When clearly it wasn't, I have never in my life ever had anything on me about an XXXX XXXX nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) On XX/XX/2022, I discovered BMW Financial Services on my credit report, Account # XXXX had been re-inserted into my credit file. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Product: Credit reporting or other personal consumer reports

TransUnion refuses to unfreeze my credit report. Their website just says " Sorry, we're having trouble showing the status of your credit freeze right now '' for several days and after waiting an excessive time on hold, the person I spoke to refused to help me.
Product: Checking or savings account

I asked chase bank customer service to cancel some charges made on my debit card to two online merchants. I believe the merchants were XXXX and XXXX. The amount of the transactions were approx XXXX a piece. Chase refused to cancel the pending transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last payment made to my credit card account at XXXX XXXXXXXX XXXX was XXXX XXXX, XXXX. They closed my account between the dates of XXXX XXXX, XXXX and XXXX XXXX, XXXX. The balance on the account at the time was {$400.00}. I have documentation proof of that was well which I will upload. On my credit report, they only report the account as being closed in the comments but are still showing the account as being open in the pay charts. I never made any payments after XXXX XXXX, XXXX, but yet they are reporting I made payments in XXXX and XXXX in order to continue increasing my balance to obtain more money from me. Now they are reporting my balance to be {$630.00}. How can a closed account continue to gain interest or whatever when the account is closed. Every other account I have that closed, is the balance never increased. If I was late they reported it and I get and understand that but increasing a balance is wrong when the account is closed. Ive disputed this information with the company back in XXXX to fix the issue and was told they would but nothing was done about it. I even disputed the information with the credit bureaus along with the documentation I have and they continue to report the information as being accurate and it clearly is not.
Product: Credit reporting or other personal consumer reports

I have unauthorized collections and inquiries on my credit report that I did not authorize under the fair credit reporting act FCRA which protects consumers by ensuring the accuracy and privacy of credit information. I have the right to dispute these in accuracies therefore, I am requesting that these unauthorized items be removed from my credit report to reflect my true financial standing, I will list them below. 
experian XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance of XXXX $ XX/XX/XXXX balance of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX $ XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  has the same inquires from XXXXXXXX XXXX for dates XX/XX/XXXX and XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Wells Fargo is the servicing a loan for XXXX XXXX XXXX XXXX, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series XX/XX/XXXX and they are attempting to foreclose on my property unlawfully. Also, while in the process of a modification, XXXX XXXX was out of business when the loan was transferred, and they were the original Holders in Due Course of the loan. Therefore this loan trust does not have standing to foreclose on my property
Product: Payday loan, title loan, or personal loan

I was approved for a {$400.00} installment loan on or about XX/XX/18. The money was transferred to my bank and received on XX/XX/18. 

I have made XXXX payments of {$100.00} towards the loan, totaling {$760.00}. The last payment made on XX/XX/18. 

On XX/XX/18, I called for the pay-off amount and the supervisor I spoke with stated I owe {$360.00} ish dollars. 

On XX/XX/18, I logged into the website, my account balance is {$360.00} and is considered " past due. '' Based on the verbal conversation on XX/XX/18, the supervisor revoked ach authorization and placed the account in collections status. 

I have never received documents in the mail and/or email from this company, just the {$400.00} debit to my account. 

They operate using unfair and deceptive or abusive acts and practices. Ridiculous interest. Please conduct a review.
Product: Student loan

I got a call from Navient on XX/XX/2016 saying I qualify for loan consolidation. He told me that they would consolidate all of my federal loans into one or two trade lines. After 3 months in forbearance, they only consolidated ( 7 ) of my federal loans in the amount of {$19000.00}. In XXXX of 2016, Navient made ( 3 ) disbursements and ( 2 ) adjustments in the amount of {$21000.00}. This is {$2600.00} more than what they paid for my ( 7 ) federal loans in question. In addition, I had to pay a one time fee of {$790.00} to have Navient consolidate my loans. The Navient representative 's name was XXXX and his number was XXXX. He told me that the whole point in consolidating my loans would be to reduce the amount of trade lines from my federal loans as well as lower my interest rate. The current interest rate on my loans with Navient is 4 %. ( 4 ) of the ( 7 ) federal loans that Navient paid off had interest rates lower than 4 %. I was absolutely misled into believing that consolidating my loans with Navient would save me money in the long run. This is not the case at all. Not only did my loan amount increase {$3700.00}, but i paid a one time fee of {$790.00} and my interest rate went up for ( 4 ) of the ( 7 ) loans. Navient consolidated 7 trade lines into 2 ( Subsidized and Unsubsidized ). They took advantage of me right out of college by telling me i was qualified for the XXXX student loan forgiveness Act. None of the things that occurred above had anything to do with this Act. Instead, my loan is now bigger with a higher interest rate. I recently got word of a lawsuit against Navient which made me take a deep dive into what occurred back in XXXX of 2016. I now see that i was misled and taken advantage of.
Product: Credit card or prepaid card

Payments made to the retail store Raymour & Flannigan were not received in time because the Payee name and address on the statements received is not the same as the the actual bank Payee address ( TD Retail Card Services ) which was anywhere indicated ob the statement. 
See Attached submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit report.
Product: Checking or savings account

I put in a withdrawal request from my closed account from Bank Of America. They have yet to approve my withdrawal request at the appropriate timeframe and keep giving me the same excuse as to why It has not been approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I am writing to formally address a significant error in the credit reporting for my account ( XXXX ) managed by XXXX XXXX XXXX XXXX XXXX. I contacted you in XXXX to correct this and you provided proof that I dont owe you and still continued to report incorrect info for XXXX and XXXX. My account has been incorrectly reported as having late payments for the months of XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX. This is clearly inaccurate ; all payments were completed on time. Furthermore, this account was settled in full by my insurance company in XX/XX/XXXX following a total loss of the vehicle. 

The account currently incorrectly reflects a status of XXXX XXXX with late payments over 30 days, which is a clear error and misrepresentation of the actual account status. This incorrect information is adversely affecting my credit standing and must be addressed immediately.

Please be advised, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have accurate and complete information reported. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) emphasizes the obligation of furnishers and credit bureaus to report precise information about consumers. I have the letter from XXXX and the insurance claim docs proving all debts where cleared years ago. 

I have previously contacted your offices regarding this matter and yet the issue remains unresolved in XXXX! This continued reporting error not only undermines my financial integrity but also suggests a systemic issue within your reporting processes. 

I urge you to rectify this error immediately and confirm in writing once the correction has been made to the credit bureaus. Failure to resolve this matter promptly will compel me to take further action, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and I have now involved the CFPB, and will consider legal remedies under the FCRA.