23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a title pawn at cash express in XXXX Tennessee. And I lost my job after I got the loan. And they didn't offer to help me at any rate. After 6 months of paying or more, they were charging me a extra fee. Just because it was 1 day late. My payment was due on the XXXX. They charged me {$650.00} a month on the XXXX. I went to get place a title pawn at cash express in XXXX, and I'll was just going to pawn it for like a {$1000.00}. Well, when she pulled up my truck, that I was pawning and the amount it was worth. She said you can get the max. She pretty much talked me in to taking a maximum payment or a maximum loan. Knowing already had 2 checkloans. That was maxed so my vehicle got repoed. Now I have no truck and I still owe for a check. 
I was never told that I could renew my title loan or never offered any kind of deal with it. So here I am stuck with no truck and out of all that money and probably waiting to hear from them to tell me I owe so much money after it sold., I had paid it down to where i'd paid the interest already off. But they wouldn't help me none. One because they call me every single day of the week. Bugging me and I wouldn't answer every single day. But when I did tell them I had a problem just because I couldn't pay. They didn't offer to help none whatsoever. They even come on, my Private property with no one home to try and get the truck. I have them on camera. I have them on camera without telling me they were coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

On on around XX/XX/2018, I contacted XXXX XXXX XXXX  to inquire about the balance on the account. I received a payoff statement in XX/XX/2018 stating that my balance was XXXX. I informed XXXX XXXX XXXX  that I am refinancing my home, and the payoff will be sent by the title company of the entire balance of XXXX. On XX/XX/XXXX, a check in the amount of XXXX was sent to XXXX XXXX XXXX. When I contacted XXXX   XXXX XXXX in XX/XX/2018, they stated that I still owed a small balance of XXXX dollars. I paid the XXXX dollars. I received information from the credit bureaus stating that I am 30 days late in XX/XX/XXXX on a card that was paid off in XX/XX/XXXX. The card was closed, so how can I be late on something that was closed. When I contacted XXXX  XXXX XXXX on or around XX/XX/2018, I spoke to a representative name XXXX who stated that the supervisors were going to take care of the error and report the account current because she was able to verify the account was paid in full in XX/XX/2018 when the check was received.
Product: Checking or savings account

On XX/XX/XXXX {$35000.00} were moved, without authorization, from my Citibank brokerage account to my Citibank checking account. Those funds were again moved, without authorization, back to the brokerage account that same day. Two weeks later, on XX/XX/XXXX, {$29000.00} were moved, again without authorization, from my brokerage to my checking account. I was subsequently " scammed '' into believing that that {$29000.00} was erroneously deposited into my checking account and that it should be returned. 

In mid XXXX my computer screen froze, with an on-screen flashing warning that the computer had been infected with a virus. A " XXXX '' phone number was provided XXXX XXXX XXXX XXXX. When called it was answered as " XXXX, technical support. My screen was cleared and I purchased/ downloaded antivirus software to ensure that future infections were prevented. After paying for and downloading the software, I realized that this might, in and of itself, be a scam. Using a different anti-virus software, I found that my computer had been infected. I had BestBuy wipe my computer clean and reload my software. 
XXXX, while working on-line on my checking account, I received a phone call from what I thought was a legitimate representative of XXXX. He was calling because " XXXX '' saw that I had deleted their software and that they were going to refund my money. While the " representative was " working on processing the refund, '' {$29000.00} appeared as a deposit in my checking account. The " representative '' claimed that he had made a drastic error and that I had to immediately return the {$29000.00}. I agreed to make the return but that I would spread it over three payments, so as not to go over the {$10000.00} threshold. He provided a wire transfer bank account and I wired {$9800.00}. 
Later that day I discovered the XX/XX/XXXX {$35000.00} transfers and that the {$29000.00} had been transferred from my brokerage account. I again called the ( XXXX XXXX XXXX phone number. The individual who answered told me to f*** off and hung up. When I called again there was no answer. 

I immediately reported all this to the Citibank Fraud Unit ( Case # XXXX ), the NY State Police ( XXXX # XXXX ), and the FBI Internet Crime Center website. 
On XX/XX/XXXX I was informed by the Citibank Fraud Unit, by telephone, that since the receiving bank ( in XXXX ) was not cooperating, my {$9800.00} was unrecoverable and that the case had been closed. My only recourse was to file an Affidavit of Unauthorized Online Wire Transfer, which I have done. I was advised that, since I had ( been scammed into ) authorized the Wire Transfer, my " appeal '' would most likely not be approved.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX  and informed them that this account was opened fraudulently and that they needed to remove the account off of my credit report. I then also reported it to the bureaus. They then said sorry it was opened fraudulently and charged it off and closed the account but refuse to remove it off of my account. According to the FCRA 15 US Code 1681eb. I know this is considered a paid debt and they have written it off on their taxes. So therefore it needs to be removed.
Product: Debt collection

I have numerously disputed this XXXX account. It was originally purchased by another collection agency and I wrote that agency telling them to provide me with a signed contract that I purchased this acct and because they were not able to validate or verify this acct it was ultimately removed and deleted from my acct. Now I see that another agency has taken over this debt and are reporting to the bureaus. I Ask again please provide a signed contract with my name or remove from my credit.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XX/XX/XXXXXXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I have been monitoring my credit file in efforts to purchase a new home. I have been advised I have multiple credit inquires and was denied underwriting. Due to the breach of information by XXXX my social security number was compromised. Through my credit monitoring app I have been notified my personal information is on the black web. I have several credit inquiries from XXXX I have not done. XXXX breach has effect my personal credit file and have all credit inquires in XXXX and XXXX done by other and not myself. I want XXXX to remove these inquiries and confirm to me this has been completed. This has affected my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian make it very difficult to work with XXXX mean cold hearted people with no sympathy on someone in regards to something on the credit such as an inquiry were not criminals here and not every inquiry is authorize by the person in my case I didnt authorize this inquiry and I submit a proof and an email that was sent to me by my leasing XXXX along with an attachment I dont understand why Experian wont work with me it doesnt make sense and they treat us like were bad people were human beings and it shouldnt be so difficult to be able to dispute something on a credit they make it so hard even though we have proof they still make it difficult and its not right at all I hope that you can resolve this matter and this inquiry can be removed off my credit thank you and I appreciate your time sorry for the inconvenience the account is rent grow that needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently applied for an XXXX XXXX XXXX and was declined for the following reason " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' When trying to look into this on my Experian report. The only deferral I see is on my Federal XXXX  Loans which was applied automatically. I was informed under the CARES ACT this should not affect my credit, but appears this is the reason I am not able to get my XXXX XXXX XXXX. I have been trying to resolve this issue with both XXXX XXXX and Experian and each is placing the issue on each other as an error they need to fix.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I recently reviewed my credit file and found inquiries that I did not authorize. These inquiries are damaging my credit score and were made without my consent. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), companies are required to have my explicit permission before making inquiries on my credit report. Since I did not authorize these inquiries, I demand their immediate removal. 

Attached to this letter, you will find a copy of my FTC complaint regarding these unauthorized inquiries, as well as a copy of my identification and a copy of my credit report with the disputed inquiries highlighted. 

I expect these inquiries to be removed promptly, and I request written confirmation once the corrections have been made. If these unauthorized inquiries are not removed, I am prepared to take further legal action to protect my rights under the FCRA. 

Please investigate this matter and provide a resolution at the earliest. I appreciate your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Prepaid card

I have Tried To Call Vanilla Gift Cards All they do is Ask For Questions I don't Feel Comfortable answering For A Gift Card. For XXXX Dollars I have spent 5+ hrs trying to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have assumed a debt and I want the updated information posted to my credit file. 

Information, and proof of ownership is attached.
Product: Mortgage

I made three mortgage payments on my home loan on XXXX XXXX at a Bank of America branch asking the teller to credit the funds as payments and not apply anything to principal. All three payments were applied to my account and my XXXX, XXXX and XXXX mortgage payments were showing as paid when I checked on line a few days later. I sent a secure message to Bank of America asking them to reapply the payment to pay the XXXX payment. They wrote back and said that they could not do that unless I hand wrote a letter and mailed it to a certain address. I then called and talked to XXXX at ext. XXXX. He said that they needed something in writing to move the payment, but the written request did not count. He said that there is nothing that he could do.
Product: Credit card or prepaid card

Filed billing dispute with Discover card on or about XX/XX/XXXX, with an amount of {$68.00} under dispute reference number XXXX. Accordingly, Discover emailed me on XX/XX/XXXX advising the dispute has been resolved in my favor. Also, per the website of Discover card, I am cutting and pasting the following : ( Rather than crediting my account for this purchase, Discover card recharged my account for this purchase ). 

Resolution Date XX/XX/XXXX Description XXXX XXXX - NJ XXXX XXXX NJ Amount {$68.00} Dispute # XXXX Current dispute status is Dispute DateXX/XX/XXXX Status Updates XX/XX/XXXX Dispute resolved in your favor This case has been closed in your favor, as we have not received a response to our request from the Merchant. A credit will be applied to your account, and any temporary credit previously applied during our investigation will be reversed. Any interest or fees that may have been added you your account as a result of this issue have also been corrected.
Product: Checking or savings account

I mobile deposited a check on XX/XX/XXXX, the Chase app said I would have the money the next business day. XX/XX/XXXX came and the mo ey still wasn't released so I called chase Bank and they told me the money would be released at midnight of the XXXX. Now it's the XXXX and the app says I won't have access to my money until XX/XX/XXXX even though the representative said I would have access to the money today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from Equifax and XXXX
Product: Debt collection

Re : Account #  XXXX  To Whom It May Concern, I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Product: Credit card or prepaid card

My vehicle broke down while traveling out of state I had it towed to the XXXX dealership During the repair process they did some repairs that were unauthorized claiming these were recalls when I came to retrieve my vehicle I noticed that one of the parts they installed looked broken damaged or used along with several other problems that the dealer caused during repairs I contacted XXXX customer care and the credit card company after I try to resolve it with the dealership ram customer care instructed me to take the vehicle to another dealership for a second opinion they concluded that the repairs that were made by the original dealer were faulty and this was a workmanship issue not a warranty issue i had to pay to fix what the other dealer damaged I supplied the cc company with this letter and all paperwork they opened the dispute but after several days they replied that services were rendered and I had to pay the bill Im not denying that they provided services Im disputing the shady parts they installed and the quality of craftsmanship or workmanship they did causing damage to my vehicle requiring me to pay someone else to fix their lousy work I believe I should not have to pay them because they damaged my vehicle the cc company requested a letter from XXXX XXXX saying that if I didnt provide the letter they couldnt move forward with dispute because service was rendered after I provided them with the letter from a supervisor at XXXX they denied my dispute still saying service was rendered
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help
Product: Debt collection

This is the law firm attached to a debt collection attempt from XXXX. 
they are attempting to sue for an amount to XXXX that is wrongfully owed. Threat of garnishment and unreasonable payment arrangments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, I am a XXXX XXXX XXXX. My credit usage depends on what is going on in my XXXX XXXX XXXX. But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at 6.14 84 months then got quoted XXXX 9.39 interest 72 months XXXX and the last time XXXX 6.64 for 84 months XXXX. Whats Fair About that? Same Accounts different bureaus
Product: Credit reporting or other personal consumer reports

ChexSystems placed a security freeze on my report without my authorization and have failed to provide the pin I need to life it. The pin they claim they are sending out is not to me and the security freeze is causing me problems with my bank. I have called ChexSystems numerous times to have this fraudulent security freeze lifted and received whatever allege pin they have sent to me so I may have access to my consumer file. Do not ask for my identification it is attached to this complaint to verify my identity. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX and that should be the only address you send correspondence to. My name is XXXX XXXX remove any other name that you may have.
Product: Mortgage

My dad passed away 7 years ago, my mom 2 years ago. I was living with my mom taking care of her when she passed. For over a year I have been trying to get the mortgage changed to my name. Everytime we get a step closer the company comes up with something else I have to do but fails to get me the papers on time and has to resend them, but then does not extend the time for me to get them in. I was then told I need to make a payment on my parents mortgage which in not yet in my name but then was told I do not have to pay anything until it is in my name. I call and only 2 times in the year did they allow me to talk to someone in the dept I needed. The company is in California and I am in NY. They make it impossible to get anything done. I have no idea what to do now. I got the last of the papers in they needed to switch everything to me then they said they didnt get them, but they had the deed that was in the packet I mailed them so it doesnt make any sense. I then got the new ( same ) papers mailed out and still have not heard anything. Carrington Mortgage Services is awful and I am at my breaking point. I have XXXX XXXX both with health issues and cant afford another lawyer to help me with them.
Product: Credit card

I have made several payments ( attempts ) with the most recent payment attempt on XX/XX/XXXX for {$50.00}. The payment was returned on XX/XX/XXXX, and appears as " Returned Mobile ACH Payment-CONA ''. This has been going on for at least 6 months now ( with one or two successful payments ) and is causing late fees and additional interest payments. I have plenty of $ $ $ in my account, so it's not because of insufficient funds, which what they are telling me. I even tried to make payments from my Capital One Checking account and there still was a returned payment, when the $ $ $ were available in that account. When I called about it they said the bank had to tell me what the issue was, and when I talked with the bank, they said they couldn't see an attempted payment, and it was something on the credit card side. This is still happening with a different checking account, and they can't seem to help me. I can pay other bills out of any of my checking accounts with no issues but not with my XXXX capital one cards. So there's an issue on their end and they are refusing to take the time to troubleshoot. I feel that all the late fees and additional interest should be reinbursed or credited to my account ( not to mention the reports to the credit bureaus ).
Product: Credit card or prepaid card

Within the last year several of my credit card companies have assessed late fees & interest to my accounts.This is due to the fact that I did not receive the prior months printed statement.I receive paper statements for all my credit cards & pay the total amount owed each month.When I notify the credit card companies that I did not receive the previous month 's statement of this they tell me they can not remove these charges because I could have accessed the statement online.I do not want online statements & the card companies are constantly reminding me that I can switch & go paperless.I think they are now trying to force the issue by periodically not mailing a statement & assessing & trying to collect fees for non payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.