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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in removing the account from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Also, I contact the company thru a phone call and they said to fix this.Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to remove them from my credit report. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover did not fulfill their promotion regarding a {$45.00} statement credit when signing up for a XXXXXXXX XXXX XXXX membership. 

Discover sent me an email on XX/XX/XXXX ( see attached ) about a promotion that stated " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' At the bottom of the email they included the fine print which included certain criteria that must be met. One of those said that the " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' As a result, I waited until XXXX to contact them to ensure that the full three billing cycles were met. I called them and had online chats with them on XX/XX/XXXX questioning why I didn't receive the statement credit. I had followed the criteria in the fine print. I purchased a XXXX XXXX XXXXXXXX Membership on XX/XX/XXXX with my Discover card using the link provided in the email. I have never been a member of XXXX XXXX XXXXXXXX before. I authorized annual recurring charges when purchasing the membership. I purchased the membership in the U.S. I've never used this promotion before or anything related to this promotion. I do not work or have ever worked for XXXX or XXXXXXXX XXXX XXXXXXXX. I am above the age of XXXX. When I contacted Discover on XX/XX/XXXX they could not provide me a reason why I would not receive the {$45.00} statement credit and they said there was nothing they can do or I can do to remedy the situation.
Product: Debt collection

I was first contacted on XXXX by a phone number matching my phone 's area code but not matching the area in which I currently reside and was asked to verify my address. After giving only the numbers of my address, I was told I was correct and was informed I owed a debt to my current power company. After checking myself that I did not in fact owe that amount at all, I double-checked with the collector what the full address was that he was collecting for. At this time he gave me the number I had said, followed by the street name for a previous address I had lived at, combining the two into one address that does not exist. At this point, I became suspicious and called the collector out for having a fake address at which point he hung up on me. I then called the number back to check if it was a cloned phone number, and the woman who picked up was very shifty when I asked what the company was, attempting to collect information from me without revealing whose number this was. She then dropped the standard " this is a debt collection call '' script on me before attempting to collect for the address that - sure enough- was the incorrect amalgamation of two addresses. When I asked her to type the address she had into XXXX XXXX  to see if it existed, she verified that it in fact did not, but attempted to place the blame on the company they were collecting for. I then called the company and spoke with several departments to try to find out if they had ever done any business with this collections agency and it turned out that they had not. Calls like this have continued now, at some points interrupting my work and being made after XXXX XXXX and every time I identify that the address they have doesn't exist and that they are trying to scam me they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my credit card balance in full in XXXX before my due date. I thought because I had paid my balance in full on the website it included my actual full balance due, including any interest that I had accrued to date. I based the fact that I paid the balance off prior to my due date that I would have no existing balance for future billing statements. There was interest charged in addition to what was posted as my balance on the website at the time I paid. I had no viability to that interest at the time of payment on their platform. I accrued around {$12.00} of interest that I had no idea about. I was affected by XXXX and unable to check my mail due to potential exposure by touching mail. I did not receive any statements nor phone call explaining I had a balance owed in interest. I get a notification on my credit report of a late payment of {$12.00} dollars. I called the company expecting this to be a simple mistake in reporting since I paid my account in full prior to the due date and I paid the balance owed. I was not treated appropriately and subsequently transferred to like 3 different departments all claiming not to know what the other department does. I asked to escalate over the supervisor I was speaking with and was denied the opportunity to speak to management. I was denied the opportunity to file a direct dispute and was told I can only file disputes with the CRA 's. That is not a direct dispute but an indirect dispute. I wanted to give my lender the opportunity to review what I was telling them was an error. Everyone I spoke to kept repeating how sorry they were and how they understood why I was so upset after being reported negatively after just having paid a balance in full.One of the representatives even waived my interest accrued as a courtesy but said it still needed to be reported late which makes no sense to me. I was not reported to the CRA 's because of an upaid dept. I was reported to the CRA 's for interest which a general customer service representative had no problem waiving for me. I find this action to be predatory and in violation of the Comprehensive Credit Act ( CARES ACT ) and ( HEROS ACT HR6800 ) Section 110401. I had asked repeatedly for a manager and was declined escalation, I had asked for information on how to directly dispute their verbal review and was told I could not dispute it with them. That statement was inaccurate. I feel the company has an opportunity now to rectify the harm I have received.
Product: Mortgage

My name is XXXX XXXX and I am hereby requesting a review of the reasons Wells Fargo foreclosed on a property without giving me options that might have kept me and my daughters in our home. This letter comes to you, due to the headline The Consumer Financial Protection Bureau ( CFPB ) has ordered Wells Fargo to pay billions in fines and redress to mistreated consumers. 

Based on the information published, Wells Fargo has agreed to a {$3.00} XXXX deal with regulators to settle charges that it took advantage of customers on their auto loans, mortgages and bank accounts. 

My estranged husband had our mortgage taken over by Wells Fargo. In 2016, the bank closed. the property and displaced me and my XXXX daughters. As a result of this trauma, one of them moving around, one suffered a XXXX and her twin sister later on had a severe mental breakdown. 

At XXXX XXXX XXXX after 15 years were forced to leave and live in a transitory situation since then. The house was sold for $ XXXX nearly-300 % increase in value since the original purchase I am very interested in Wells Fargo has agreed to a {$3.00} XXXX deal with regulators to settle charges that it took advantage of customers on their auto loans, mortgages and bank accounts. 

We were forced out of our home, as demanded by Wells Fargo. 
I found out that Wells Fargo had foreclosed on a mortgage I found out my name was removed from the mortgage and property title without my permission or knowledge. 
I was informed by the Real Estate agent ( XXXX ) from XXXX XXXX XXXX XXXX XXXX worked XXXX with a Wells Fargo Attorney that I did not have the option to purchase. 

House location : XXXX XXXX XXXX, XXXX, New York Foreclosed in XX/XX/2016 ( surrendered keys ) I was told I could not short-sale the property and my ONLY option was to accept Wells Fargo foreclosure procedures, which I accepted- under duress, ( lack of knowledge and adequate information to make a decision that represented my best interest. 
I asked both the Realtor who was communicating ith me on the behalf ofbthd Bank ( offical/unofficial ) and the Bank Attorney about options both pushed the only foreclosure agendaXXXX XXXX XXXX XXXX XXXX XXXX benefited from our suffering. 

Thank you for your help
Product: Credit reporting or other personal consumer reports

I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court
Product: Credit reporting or other personal consumer reports

Experian unknown inquiry : Inquiry Type : Bank Credit Cards XXXX Inquiry Date : XXXX
Product: Checking or savings account

On XX/XX/2019 several automated withdrawals were taken from an unauthorized company in XXXX, XXXX. from my checking account. As well as a second company called XXXX. 
XXXX amount was {$1900.00}. XXXX had 4 transactions totaling {$36.00}. All transactions were still pending when I discovered them and immediately went to the bank to file a fraud dispute and to the police department to file a police report. 
Dispute numbers with TCF Bank : XXXX XXXX XXXX Michigan police department case reference number XXXX The bank did not flag my account or these two companies for further fraudulent activity and advised me against closing the account as I still had a handful of outstanding checks to be cleared and they said they would not reversed fees or honor payment through a secondary savings account. I was also told this dispute would be resolved within 3 to 5 business days. 

On Friday XX/XX/XXXX, I received two letters from the bank asking for more information. Really the letters just asked for the same information I had already filed and needed to be returned to their dispute center. I immediately responded via email with both documents and screenshots of the account activity. 

I also returned to my local bank to close both of my savings accounts as well as the checking account in question and was told again not to completely close out the checking account until the dispute was closed or they would not be able to refund my money. 

On Monday XX/XX/XXXX another attempt from XXXX to withdraw {$1500.00} was made. The bank had not flagged this or the company and luckily I found it while still in pending status. after 30 minutes on the phone trying to get to a supervisor at TCF Bank headquarters I was able to have those charges reversed and my account frozen. 

I've now been told that this dispute will still be worked on for up to another 5 business days before they will then send me a letter with their determination VIA u.s. mail and that latter will let me know how long it will take for them to refund my money. 

As a 25-year customer of TCF Bank, I am appalled that there has been no attempt at assisting me in alleviating further fraudulent activity but I have instead been treated as the guilty party and threatened with late fees and charges due to this illegal activity. I have also been refused access to talk with anyone in their fraud department on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) XXXX XXXX {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$2500.00} loan. I've made XXXX payments of XXXXXXXX XXXX. Now I'm being told that the loan us for 34 months and I now owe over XXXX. This was never explained to me or I would have obviously not signed up. I've tried speaking to management and that doesn't help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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: Vehicle loan or lease

I brought a car from a car lot on XX/XX/2016. I have never had an original contract with Credit acceptance with my signature that I signed with them. This company keeps reporting the same balance of {$9200.00} to my credit bureaus since XX/XX/2016. I have asked them to send me a legal contract I actually signed with their company they can not produce it. I do not want the contract with the dealer I want the legal contract with my signature and date with Credit acceptance. They are rude and has never updated my updated amount. The company I purchased the car from said the car was {$10000.00} when I looked over the paper work it is for {$19000.00}. This company needs to be removed from my credit report I do not have an original nor new contract with them. I tried calling to discuss this matter but they are rude and do not allow me to talk. I have asked for the oringinal contract also payment history and they will not send me this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted the following credit bureaus : XXXX, Experian and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : Student loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain accounts appearing on my credit report. It has come to my attention that my personal information was exposed in a national data breach, which has resulted in unauthorized accounts being reported under my name. 

I have previously requested validation of these accounts, but the necessary documentation proving their legitimacy has not been provided. Given the exposure of my information, I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies. 

Enclosed, you will find : A copy of my government-issued ID for verification A copy of the FTC complaint I submitted A copy of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX report confirming my information was exposed A copy of my prior request for debt validation In light of this evidence, I request the immediate removal of these unauthorized accounts from my
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection showing up on my credit report for an apartment I never lived at. Attached are the documents required to submit and process my claim. The bureaus have become increasingly difficult to deal with. I just want this nightmare to be over. I noticed the collection in XX/XX/2019. Not sure if its because of EFX data breach or not
Product: Debt collection

This company have multiple debts on my credit report. 3 in total of the amounts of {$620.00}, {$590.00}, {$510.00}, and {$86.00} dollars.
Product: Debt collection

The agency that keeps calling hangs up every time I answer our COMPANY TELEPHONE. I have called back due to our caller ID and it turns out to be a credit card company who keeps calling for XXXX of our FORMER employees which I have stated to them. They tell me they will remove our number and do not do it. This is becoming a problem because they will not stop HARRASING us.
Product: Credit reporting or other personal consumer reports

I am a KNOWN victim of identity theft. I have been dealing with this for over 2 years now. I have summitted the proof and documents to the credit bureaus several times and they just do absolutely nothing about it. Equifax is the worst of the big three but the other two are doing the same thing to me as well. I really need help. I am in the process of trying to buy a home for my daughter and I and I can not, because someone stole my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! - An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. - An account that I had removed XXXXXXXX XXXX  XXXX was back in my report! - Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! I demand an explanation of the miss handling of my report immediately and my account to be corrected. I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX  XXXX I demand the account XXXXXXXX XXXX to be corrected as OWNER and NOT Authorized user. I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Product: Vehicle loan or lease

Subject : Formal Complaint Against Navy Federal for Denial of Extension Request on Auto Loans Date : XX/XX/year> I am writing to file a formal complaint against Navy Federal regarding the denial of my extension request for two auto loans that I hold with the institution. Despite multiple attempts to communicate my situation to Navy Federal, I have been met with a lack of understanding and cooperation, leading to undue financial hardship on my part. 

I have diligently explained to Navy Federal that I was on XXXX XXXXXXXX leave from work and only recently returned to work on XX/XX/XXXX. In light of my financial circumstances, I reached out to Navy Federal 's personal finance team to request an extension for my two auto loans. Initially, in XXXX, I was informed that both loans would qualify for a two-month extension after making my payments. However, when I followed up on this agreement, it was arbitrarily downgraded to a one-month extension without my consent. 

This unilateral decision by XXXX XXXX felt like a bait-and-switch tactic, leaving me feeling deceived and manipulated. I made it clear that the two-month extension was crucial for me to catch up on my auto loan payments, especially given that I was awaiting payments from my long-term leave company, XXXX, which were pending then and remain pending now.

Despite my genuine efforts to negotiate a reasonable solution that aligned with my financial constraints, Navy Federal 's representative insisted that I either accept the one-month extension or receive no extension at all. Feeling pressured and cornered into an agreement that I knew I could not uphold, I reluctantly agreed to the one-month extension, knowing that it would not provide me with adequate time to receive my long-term benefits and catch up on my bills.

As a responsible individual committed to meeting my financial obligations, the treatment I have received from Navy Federal has been distressing and burdensome. This denial of a fair and reasonable extension has significantly impacted my ability to prevent homelessness and provide for my family 's basic needs.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Navy Federal accountable for their unfair and deceptive practices. I seek a resolution that is just and equitable, considering the financial hardship and emotional distress that I have endured due to Navy Federal 's actions.

Thank you for your attention to this matter.