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

I filed a complaint with the consumer financial protection bureau about equifax and equifax has not removed the inquiries I had ask to be removed because I did not have my credit ran for these 27 inquiries to be on my credit report, here are all the inquiries I dont recognize on my credit report I took screen shots from equifax site, Im tired of filing a complaint and equifax does not want to reach out to the consumer and fix this matter so Im filing another complaint also in addition I did take a screen shot of one of there products that states it gives all three scores from equifax, XXXX, XXXX  for XXXX thats not the case I bought a product for XXXX and had to turn around and purchase XXXX to see the other XXXX XXXX, XXXX, but my main focus is the 27 inquiries in my credit report that I do not recognize I want them off my credit report, it is my right to dispute any and all inaccurate information on my credit report, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, these are the inquiries equifax has failed to remove .i I did not make these inquiries I want them removed off my credit, like I said under the fair credit reporting act anything I dont recognize and its incorrect on my report I can dispute this information I want these removed off my report, thank you
Product: Payday loan, title loan, or personal loan

I purchased furniture from XXXX XXXX in XXXX, XXXX. They had me apply for financing in store with American First Finance. Where my husband and I were both approved and we placed an order. After 3 weeks of calls not being returned and an estimated time of delivery of XX/XX/2021 we opted to cancel. 

American First Finance had already begun taking weekly payments for both my account # XXXX and my husbands account # XXXX furniture turned in electronic communication to American First that the account was cancelled and no furniture was ever received. I was to be refunded in full. 

On XX/XX/2021 I called in and spoke to a XXXX who said she could see the cancellation and our funds would be put back into our account in 7-10 business days. On XX/XX/2021 I received a collection text stating my account was past due. I called in and he said it was an oversite. On XX/XX/2021 I received another collection text on both accounts asking for money to be paid. I called in and the account reflects the total balance due. It was not refunded and it is not reflecting the change in balance. 

On XX/XX/2021 I spoke with XXXX and have requested an email to show I will be refunded. She was not able to send an email. However assures the refund will be applied at some point. She put XXXX on the phone who said he is not able to send an email as such. He then stated that the refund is delayed because they have not completed the processing of my last payment on XX/XX/2021 ( which cleared my bank XXXX This call took over 40 minutes. I have no furniture, I have made payments on each account in excess of {$260.00} and show {$3000.00} in balance due for an order that was cancelled and confirmed with American First who simply isn't able to send any documentation substantiating the account is to be closed with refund due. They have no problem with texts that my account will go in collection for non payment though.
Product: Debt collection

I have tried to get a copy of the bill sent to me three times and not bill has been received. Also, I am not working due to being XXXX and tried to get a hardship form request to be sent out three times also. The rep 's advise they was going to send these documents on all three calls, but nothing has been received at this time. They have called and harassed me when I have advise them of my situation. I was on a payment plan, but all funds has been exhausted. Today I spoke with a Rep name XXXX who advise me there is no way I can get a hardship due to the payment plan I was on. Please help in this matter. My account number is XXXX with XXXX XXXX XXXX XXXX, GA.
Product: Checking or savings account

Navy federal credit union keeps charging me {$29.00} return fee on ach transactions before they even post on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted more t han 10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext s o there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Product: Credit card

I conditionally accept to pay any alleged balance upon receipt of proof of claim validating the debt under the penalty of perjury. I sent in a negotiable instrument in accordance with UCC 3-603b for discharge of the debt. The alleged lender has yet to discharge the obligation and is still reporting false statements to the credit bureaus.
Product: Mortgage

I obtained a loan through SunTrust Loan Servicer in XX/XX/XXXX and the account was on Auto draft ever since for full monthly payment ever month. Never late. 
In XX/XX/XXXX as a result of my divorce I asked for a loan modification that was approved in XX/XX/XXXX. 
SunTrust on its own reversed the XXXX payment that was auto drafted a week earlier. I called and argued against reversal with SunTrust 's XXXX XXXX and XXXX XXXX. However, they persistently claimed that for the loan modification to be approved, it needs to show that XXXX payment is not n the record and that it will not effect my credit reports. 

The trial version of loan Mod was successfully completed by XX/XX/XXXX and SunTrust sent a full and permanent loan modification agreement with XXXX mistakes. On XX/XX/XXXX, in the presence of its banking branch VP, I immediately called XXXX XXXX and XXXX BOTH. and persistently told not to make any changes on the agreement - since any hand writing besides signature and notary would void the document. The rep, told me that a corrected set will be sent within 7-10 business days. However even when I contacted XXXX XXXX on XX/XX/XXXX, she stated that " the agreement has not gone out yet, but it should ... ''. I questioned her about " 7-10 bus. days '' rule, she stated, " the 10 days is not over yet '', I counted the business days for her and she still stated, '' we still have time ... '' The telephone call was recorded. 
In the meantime, I pulled my credit from all XXXX agencies. All reports showed a 30 and a 60 days late with no other notations ( recorded calls again ). This is a serious contradiction to what XXXX, XXXX and XXXX XXXX stated. 
I disputed it with credit agencies and called XXXX XXXX XXXX. XXXX XXXX now changed her statement, now claiming that we do report late payments and this account was late. 
Each time I dispute the late payment with the credit agencies, SunTrust reports worst than before ( even though the loan is not being serviced with it since XX/XX/XXXX. In fact, it is even reporting the account 90+ days late for XX/XX/XXXX now ( when the payment was made on XX/XX/XXXX in the branch while I was speaking with its branch VP ). 
I MADE ALL MY PAYMENTS TO SUNTRUST SINCE INCEPTION OF THE LOAN ON TIME AND AS IT REQUESTED. ITS REPORTING LATE PAYMENTS IS NOT ONLY INACCURATE, INCONSISTENT WITH ITS OWN REPRESENTATIVES STATEMENTS, BUT ALSO CHANGE FOR THE WORST EACH TIME.
Product: Debt collection

In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX contacted me, with what XXXX XXXX said was a care regarding a payday loan I had taken through XXXX in XXXX. While I did not remember having taken out this loan I was pressured into settling on an amount to pay back, or else I would be served with a bench warrant for my arrest. I agreed to set up a payment arrangement, at which time I gave XXXX XXXX my debit card information and she took {$150.00}. I was unable to make the arranged payments after that, which I did email XXXX XXXX about. Fast forward to XX/XX/XXXX, when I receive a call from a private number, with a man stating he was with this company and had a bench warrant he would serve to me the next day, if I did not make payments. I made a payment with XXXX XXXX again for {$99.00}. After a little time, I became suspicious and contacted both XXXX  and their collections agency and was told # 1 my debt had been written off and # 2 they had no knowledge of XXXX XXXX XXXX or XXXX XXXXXXXX XXXX. I contacted XXXX XXXX about this, who informed me she would not contact me again, however she wished me luck with the legal matters that would come with me basically being arrested. I have tried multiple times to speak with someone to get my money back, and I was told by a gentleman ( called me from a private number and mumbled his name ) that the sum of the {$150.00} and {$99.00} would be replaced in my account around XX/XX/XXXX. I then spoke with a XXXX XXXX who told me the money had been replaced XX/XX/XXXX. When I tried to question this my emails and calls suddenly started being ignored. I've not heard a word since. However, during the time they were trying to collect money they were calling 6 to 8 times a day/night. I was even in California at one point and my phone would start ringing at XXXX in the XXXX.
Product: Checking or savings account

My Social Security check is missing in the amount of {$1100.00} XXXX states payment was made to my Bank of America account. 
Bank of America has no record of such. 
Please help as I need the payment for groceries Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Acct number : XXXX I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX & Account XXXX : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( Gearing v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Product: Checking or savings account

Citi bank put an add the if you open a new account and deposit money with them, you will be getting a sign on bonus. It is total fraud. They take money and then close the account, will tell you that they can't give your money back. It takes 2 hours to connect to an agent. After spending 10 hours talking to 5 different agents. I have still not got my money back. Forget about the bonus money.
Product: Credit card

American Express has admitted to the concern that I've raised regarding their handling of personal information and security inputs when submitting payments. At this time, I do not believe that the company has provided the appropriate resolution and implemented new policies and procedures to protect cardholders from potentially fraudulent charges. For individuals that may have more than one American Express product, their system ( in this case, specifically Amex Travel website ) allows cardholders to input a CVV code from any of their cards and the system will process the transaction. This logic does not make sense as I believe it could result in increase in fraudulent or misrepresented activities. The logic that the system proceeds with could result in unintentionally charges to cards that I am not expecting charges for, and could increase chances for personal identity theft or unauthorized transactions if I were to lose a card and a malicious individual could now have up to 4 times more success in charging my card since I have 4 American Express products that have CVVs that could be used to process an unauthorized transaction. I believe each CVV should be required to the specific card selected when processing a transaction, and that this logic could have impacted many other card holders and potentially resulted in unintentional fees incurred to correct issue ( i.e. changing or updating bookings on hotels or travels as I recently experienced last month when I was booking travel ).
Product: Money transfer, virtual currency, or money service

On XXXX I thought I sent XXXX in XXXX  via Coinbase to a XXXX XXXX address. A subsequent investigation inquiry disclosed that the monies were never sent as XXXX does not handle the XXXX XXXX tender that Coinbase claimed to have sent. This transaction was fraudulently created and made as Coinbase has a catch 22 " XXXX '' wallet that catches crypto currencies that cant be processed by wallet addresses they may be addressed to, then Coinbase conveniently claims the irrevocable nature of crypto currency transactions. This situation however is a transaction that occurred with myself being the sender and recipient of the funds because I was not in possession of a Coinbase credit card. so i used the XXXX XXXX wallet address to send the crypto funds not realizing i needed to change the XXXX  to a XXXX XXXX  then repurchase the XXXX to then send the funds to the XXXX address provided by XXXX. XXXX has clearly stated that Coinbase has never sent the funds to the XXXX wallet and as such Coinbase needs to return those funds to me.
Product: Credit reporting or other personal consumer reports

ax WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department - Last Reported : - XX/XX/year> For the amount of {$1700.00} Which is illegal under the FCRA to assign to any third party or debt services without my written consent
Product: Credit card or prepaid card

Hello, I have a XXXX XXXX XXXX XXXX XXXX  and I am supposed to earn 5 XXXX XXXX XXXX  for each dollar spent at XXXX hotels ( please see the first page of the attached document ). 
Unfortunately, Barclay has transferred only 2 points for each dollar spent at Choice hotels ( please see the second and third pages of the attached document ). 
I called the Barclay customer service numerous times to no avail. On XX/XX/2022, I was given the case number XXXX. After several calls, I was given another case number, XXXX. Yet, Ive never got the missing points. Instead, Barkley send me two letters, claiming that additional information is needed, and we were unable to reach you ( please see the fourth and fifth pages of the attached document ). I called customer service after receiving each letter, but they were unable to tell me what information was missing. 
Please help me solve this issue. 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/22 I bought the XXXX XXXX that I was leasing from Hyundai Motor Finance, and was told that my title would be mailed out in XXXX weeks. On XX/XX/XXXX I still hadn't received the title so I called them : I was told that " It has already been delivered ''. Which was strange because I had not received my title. So I asked for the tracking number and he replied that XXXX was wrong and there was no tracking number, but it was mailed out on the XXXX of XXXX and I should receive my title by the end of the week '. Needless to say I still did not receive the title. I called back the next week and was told it could take up to 30 days for it's arrival. After another month they decided to call the title missing and told me " All they could do '' is send a message to the title department to see what the next steps are and for me to call back in XXXX business days to check on the response. Several times I was told their was no response from the title department, so I request to speak with a supervisor. The supervisor said that they would put in a request for a letter of no interest to the title department so that I could request a duplicate title at my DMV. I did get the letter of no interest but my DMV would not accept it because they are listed as the owner and told me that I would need a limited power of attorney or have XXXX request a duplicate title. I called XXXX back and requested a limited power of attorney but was told it was impossible because I already paid off the car so " it's not their problem '' but if I send them a written request with the cost of the duplicate title they would make the request for me. I sent in written request and am now being told that they have not received anything. To be clear I do not think they ever sent my title. I have Informed Delivery with USPS ( where I can see the mail being delivered to me ) and I have not seen anything from XXXX.
Product: Checking or savings account

Money was transferred out my account to an unrecognized person and they would t refund me my money.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CITIZENS SAV Last reported XX/XX/year> Reported balance {$4900.00} I Am Requesting a 1099-C Form Since The Account Was Charged Off. Making It Now Taxable Income For Myself. Since It Was Charged Off And The Creditor Wrote It Off On Their Taxes, It Should Not Be Reporting To My Credit Report As A Collectable Debt Now.
Product: Credit card or prepaid card

I was trying to pull money off my card to pay my rent. The card said daily limit so I called card issuer. I verified with the same information like always except this time the lady on the other end said I couldn't verify the information she had and froze my account. I jumped through their loops sent in copies of the requested documents and waited the time frame. Incomm has yet to do there job in the allowed time and can't be reached by phone. Myvanilla just keeps apologizing and giving excuses.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint to the CFPB regarding an inaccurate collection account reported by Eastern Account Systems. Eastern responded that the account had been recalled by the original creditor ( XXXX ), that all collection efforts had ceased, and that they were no longer handling the account. However, the collection account still appears on my credit reports, now incorrectly marked as " paid '' instead of being fully removed. 

I never received debt validation from Eastern or XXXX. XXXX 's response to the FCC also failed to include any identifying account information or validation, and there was an earlier error where the account was listed under the wrong name. Despite the collection agency confirming they are no longer managing the account, it remains on all three credit bureaus, causing continued financial harm, including credit denials. 

I am requesting that this item be deleted from all credit reports immediately.
Product: Mortgage

I am behind on my mortgage payments. I tried to go online to make a payment and it says I must call the office before they will allow me to make a payment. My company, Citi Financial, only takes checks and will hold them for up to 10 days before clearing my account. Online debit or credit card is not an option. I have tried in the past to talk to them but they hold me up on the phone for up to XXXX hour with insults and threats when I just want to make a payment. The closest local office is XXXX miles away since the office in my town no longer services my mortgage. How can I get them to take my payment as I am trying to get the account current but do not have all of the money at one time? My only income is through my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XX/XX/2022.