23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have received by first printed bill from Truist after transfering my from another card in XXXX. The terms of the Truist Credit Card balance was 0 % interest for 1 year/12 months. When I looked at the bill that I have received it was NOT 0 % ( bill attached ). When I received the letter that my balance transfer was " in process '' there was NO mention of the change of terms of the transfer. I called XXXX on XX/XX/XXXX at XXXX pm to discuss the Bait and Switch and spoke with XXXX ( who was very nice ) but told me there are NO credit cards available now for me with a 0 % balance transfer and that would create a report # XXXX. In Mid XXXX BEFORE I made this transfer my Credit rating was XXXX and I would NOT have applied for another credit card balance transfer if it wasn't 0 % interest for a set period of time!!! When I submitted my information, Truist had your choice of THREE different credit cards with different benefits but ALL THREE HAD 0 % balance transfer. Please help, there was not small print that gave the consumer a chance to decline if there were different terms!
Product: Mortgage

Freedom Mortgage is completely inept at XXXX buydowns. They have lied repeatedly to me ( fraud ) about the amount of money that I owe. They were insisting to charge me MUCH more than they should have!!! It is a complete waste of my time to have to deal with a company who is breaking the law! They should be shut down, as they are absolutely inept! 

In fact, they wanted me to send a FAX to some department ( internal that takes weeks to respond ) regarding the disputed amount. I value my credit score highly and so I had to talk to a manager who confirmed what the person I called told me- the fraudulent amount! I will sign an affidavit relating to such. I had no late payments before thisbut I knew the XXXX amount was WRONG! 

Finally, I did get a hold of someone who was told me the right amount, but it was the last day! I specifically told him to pull from the exact same account as last time. However, despite my money being in my bank account, they pulled from a different account. Then they put a 30 day late ding on my credit. They have been impossible to work withas apparently they are just fine to put the onus on the customer. 

BE WARY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian CFPB XXXX responded on XX/XX/2021 we are in the process of contacting the inquiring creditor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

{$530.00} was sent to scammer via XXXX through my Chase banking app on XXXX XX/XX/2022. I called the Chase bank fraud department shortly after the transaction on XXXX XX/XX/2022 and was told since the money was accepted nothing could be done to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows {$600.00} collections thats been on my report for three years I just noticed I called the original creditor and ask them to produce a bill for said perform services they said they couldnt find it because its in collections I disputed it with collections but they left no information to contact them I dispute it through XXXX XXXX and I didnt go anywhere I believe it is fraudulent they cant produce a bill with services on it with my signature How do they expect to prove that it is How do them for original creditor cant produce the information that has a collection agency supposed to produce the information especially when theyre not leaving any contact information for me to get a hold of them
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XX/XX/XXXX. At time of application/loan approval, terms were not disclosed such as interest rate, which is a high 35.9 %. This was found out about after it appeared on Avant website, it did not previously show before. Ive been making payments on the loan and they do not begin to cover the principal due to high interest rate. My credit score was in the mid to high XXXX range at time of opening and my rate should be based on that score and not 35.9 %. A XXXX complaint ( XXXX ) complaint was filed, however, not resolved. Avant rep ( s ) claim terms were disclosed to me and were not. I just received the full terms via email after asking a rep for them, these were not sent to me before. I did speak with a XXXX XXXX and unfortunately, was unable to resolve the matter. My XXXX claims he has screen shots showing terms, rate, etc.. However, it is highly unlikely he knows what appeared on my end, on my computer, at time of application. Had I known about this high interest rate I would not have applied as I will be paying back more than double the loan amount after the term ends. Please note, do not mark this as duplicate as there is additional information enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX  over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never been late on my credit report ever. XXXX, XXXX, and Transunion is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also XXXX, XXXX, and Transunion is reporting 2 closed accounts that listed as XXXX XXXX  XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.
Product: Mortgage

I am a XXXX XXXX, we have been trying to close on a transaction in Arizona and had to postpone it is costing my XXXX hassle and money had to cancel his work responsibilities 3 times being is XX/XX/XXXX weekend also his holiday vacations. We were told the loan was fully approved and it has not. Listing agent issued 2 cure notices we had to pay {$500.00} for the first extension {$500.00} for the second extension, Cure notice in Arizona is a 3-day process. Cure notice expires tomorrow my XXXX will loose his {$2000.00} escrow money. The deal stated to be a conventional loan 1 week before closing Lender persuaded my XXXX that it was better to switch to FHA his payment will be {$200.00} lower we will have to extend COE for just a week since we had everything was done, inspection, appraisal etc. Then underwriter needed the second appraisal since the home had been Rehab completely just 3 months before, another delay due to waiting for the new appraisal. My XXXX had to get storage for his new appliances that were supposed to be delivered Friday, XX/XX/XXXX.  pay extra for the landscaping delay since landscaper had already bought all materials and was ready to start the job. They have not cared what so ever about COE. And so hard to find the person in charge that could have help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXXXXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently trying to apply for a home loan and having troubles with equifax information on my report. I go by my middle name for most information but file all official documents through my complete full name. To make things that much more confusing my father has the same name be he is XXXX. Lenders can pull both XXXX and XXXX files through both my middle name and full name but can't pull anything under equifax. Equifax has my name under file as only my middle name. I originally sent them a letter back XX/XX/XXXX and got a response back. They ended up changing my dad 's name instead of mine. The letter even had my SSN, DOB, DL, and SS Card and they still ended up changing my dad 's name. I have sent them a total of 4 letters stating that they had changed my fathers name and I need my name changed not my fathers. I have called almost 3 to 4 times a week to see if they have received any documents and to see the statues of my name change. They just keep telling me they haven't received anything and to send the letters again. Also I have gotten into equifax just fine and pulled my reports and reviewed everything and everything is correct except for the full name. I need this to be fixed ASAP as we are under contract and close in the middle of XX/XX/XXXX. 
Also side note : their website they keep advertising to me to check the statues of my dispute is BROKEN!!! I can't get anything to come up when I look up my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.
Product: Mortgage

I 've been trying to refinance my loan with Nationstar Mortgage for about a year. I 've put in a request on their website several times, only not to get a response. Finally, I called the XXXX number for Nationstar Mortgage. I finally spoke with someone that took my mortgage refinance application online. I was n't charged an application fee or no upfront charges. I have a XXXX credit score with excellent income, over $ XXXX a year. The current loan is an adjustable rate loan and I was trying to refinance to a fixed rate loan. At every junction, it seem as though they were n't interested. I 've never been late on the loan in XXXX years, so they have no incentive to refinance, because it 's in their best interest to leave the rate as is. But, after several conversations with XXXX XXXX XXXX XXXX, I began to feel like I was purposely being discriminated against. I have audio recordings of our conversation that suggest such as well.
Product: Credit card or prepaid card

I opened my Wells Fargo Platinum credit card back in 2017 and I never opted for the over draft protection. I have accrued a lot of interest due to that.
Product: Bank account or service

I signed up for a PNC account on XXXX XXXX 2014. The promotion was for {$200.00} if I had a direct deposit of at least 700 dollars and XXXX bill pays per month. I signed up for the bill pay and the direct deposit. Prior to signing up i called customer service a few time to confirm the promotion. I was told that I should be set up and the promotion should pay in XXXX. I followed up at the begining of this month only to learn from an associate that the account is set up on a promotion to receive a 200 dollar credit for a 2,000 dollar monthly direct deposit. That is not the information that I received on the promotion. Nor is it what i was it the information that I received from the customer service representatives that I talked to. I did everything that was asked of me, and they changed the rules. I spoke to a supervisor and she told me that she cant pull the phone calls because the conversation was too long ago, she asked that I provide the link that I received the promo offer for. Unfortunatly, I no longer have the link ... 5 months later it is hardly likely that I still have the link that I went to to sign up. Its unfair to trick me into getting an account that charges me 15 dollars per month and not receive what was promised to me. I just want the credit that was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Add statement from consumer to XXXX XXXX account. 

Dear CFPB, XXXX XXXX has consistently hounded and reported to the credit buraus with the intent to label me as a financial risk. 

The sad fact is that life happened to me. Unfortunately, in XXXX  due to unemployment XXXX XXXX would not negotiate a payment plan. There was a balance of {$140.00} left before the bank would be required to refund me my {$1500.00} deposit on the secured card. 

In all common sense, why would I as a consumer deliberately throw away {$1500.00} of my own assets without any intention of recoupment. 

The Federal Statutes are supposed to be in place to assist consumers and not to allow corporations to unduly take advantage. However, my case is just one of the many more situations out there in which corporations can run the roost, manipulate and fabricate records. 

So let this be an added document to my record when I apply to creditors in order to maintain and obtain needed resources, such as credit, housing, transportation etc. to care for myself and my aged parent. 

Despite a payment arrangement in place, upon arriving to make payments the account was closed. And this has been an ongoing dispute. XXXX XXXX investigation in XXXX, claimed no voice recording or documentation was found in their database supporting that I attempted to pay the balance.. 
XXXX XXXX can continue to report up to their maximum seven ( 7 ) years seeing it brings them satisfaction.
Product: Checking or savings account

On XX/XX/year> I received a refund from XXXX for missing food. After weeks have passed, I notified XXXX. They then settled the whole amount of {$45.00}. They also emailed me a receipt that the refund was settled and issued. I then forwarded the email to Chime. No results. I then called Chime instructed by XXXX. They stated there's nothing they could do. I have emailed multiple times getting the same response. I still have not received the refund.
Product: Credit reporting or other personal consumer reports

Due to the XXXX data breach there are accounts on my credit report that do not belong to me. Please see my previous complaint # XXXX XXXX in which it was found that XXXX was deleted from my XXXX  credit file XXXX This account is still reporting on my XXXX and Transunion reports. Since this account does not belong to me I kindly request it be removed from these reports as well. It should also be noted that this fraudulet accout appears twice on my credit reports, I am asking that they both be removed as they do not belong to me.
Product: Debt collection

Someone by the name of XXXX XXXX calls and left a message for an XXXX XXXX on my cell phone saying she ca n't give anymore information and this is her last attempt. She needs to call her back by the end of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX del XXXX everything else on there is incorrect
Product: Vehicle loan or lease

I bought a VolksWagen  XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX Volkswagen XXXX, TX and I was pushed the following extra products. 

1 ) Blue Steel 2 ) Easycare Appearance 3 ) Vehicle Extended Service Agreement My wife and son asked me to agree to it so I did agree on that at that time but within 30 days as per Texas laws, I called back the dealer and requested that these be cancelled. 

Dealer has refused to cancel these add-on optional items. I complained to Volkswagen and VolksWagen Credit but they said it is dealer who is doing this and I have to deal with the dealer. 

Secondly, for the car loan, I signed only 1 paper for availing loan and approving credit check but dealer did three hard inquiries on my credit file without informing that it would be three hard inquiries. I was already told on interest rate when I made the purchase. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VW Credit XXXX XXXX XXXX XXXX XXXX The hard inquries of XXXX XXXX XXXX XXXX XXXX and XXXX ) XXXX XXXX XXXX are fradulent. 

After lot of follow ups, the dealer was finally able to issue a refund check for 3 ) Vehicle Extended Service Agreement. However the service agreement was for {$2300.00} and I was only refunded {$2200.00}. 

Volkawagen Credit and Volkswagen needs to work with their dealers and have stringent terms that let consumers cancel optional items sold by dealers within 30 days, and stop dealers from doing multiple hard inquiries on customer credit file without customer being informed.
Product: Credit reporting

HSBC this account was closed back in 2008 and it still appears on my credit report, I 'd like to have it removed since it is well past the SOL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX and account reported from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account # XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Product: Checking or savings account

I cant access old payments that I never accepted it just disappeared or maybe got charge for an unexplained reason
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.