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

THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to XXXX times while in XXXX I feel as a result I am requesting the XXXX removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I froze my credit with Experian about 1 year ago. They gave me a PIN and told me I could call anytime to unfreeze my credit report without creating an account with them. I needed to unfreeze my credit to apply for a new credit card on XX/XX/XXXX, and when I tried to do it with their automated system, the PIN didn't work. I tried creating an account, but the request there returned an unspecified system error. I was able to reach a customer service agent after numerous attempts with their automated phone system, and they said I needed to try back in 48-72 hours and gave me a number that they assured me routes directly to a customer service agent. 

Instead, when I called back, I was back in the automated system. I've called numerous times every day from XX/XX/XXXX to XX/XX/XXXX and been stuck in loops in their automated phone system, unable to get support or speak to a person. I sent a form detailing the issue to their online intake system on XX/XX/XXXX, but have received no confirmation or update on the request. 

I'm completely paralyzed here and outraged at this company 's abusive and predatory practices. They misled me about the process for managing my credit report freeze, and have made it impossible to get support or access my credit to manage my financial needs. I never signed up for service with this company, and yet they're enabled to control my financial activities in this way. There's no way that I can withdraw my business with them since the entire financial system collaborates with them and empowers them to control individuals ' livelihoods. This company needs to be held accountable, prosecuted, and either forced into compliance or dismantled by federal regulators.
Product: Vehicle loan or lease

I have tried to work with Global Lending Services to set up a payment arrangement or deferment to get caught up on my loan. My family and I have had financial difficulty and it feels like this places do not care. They continuously call me monday through friday. send me emails and texts at all hours of the day. They have even called my work place which is an inconvenience for me. 

I have asked them for a deferment and they try to railroad me into not letting me. I just want to get help to get caught up
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to request a Security Freeze be placed on my credit file. This request is to ensure that no credit, loans, or services can be approved in my name without my explicit consent, as I want to protect my identity and financial well-being. I understand that this freeze may delay or interfere with any future credit applications I might make. 

Incident Details : I discovered unauthorized activity related to my personal financial information. a fraudulent credit card account was opened in my name and unauthorized attempts to access my credit file. To address this issue, I have taken actions. I have contacted the involved companies and filed a report ]. Despite my efforts, it is necessary to ensure my credit file is fully secured through this freeze.
Product: Vehicle loan or lease

I was shocked to receive an alert from XXXX stating that my scores had plummeted from over a XXXX down to the low XXXX. 
I reviewed my report and saw that my brand new lease with Toyota Motor had reported my account past due. I was perplexed because I knew my account had been set up on automatic payments and there is always plenty of money in my account for recurring payments. 
I immediately contacted Toyota Motor Finance, paid whatever balance they stated was owed, and began the process of unraveling why Toyota had reported me late and why I had not received any dunning letters, calls, or emails. 
As I continued my investigation, I discovered that whoever did the paperwork at the dealership had entered an incorrect phone number and email address on my file! 
I also discovered that the post office had stopped delivering mail to the address Toyota had on file due to there being a dog at the residence and the post office didn't inform me of this change until months later! 
It appears that I am a victim of other people 's mistakes, and I don't think that it is fair that my credit has to suffer and potentially be impacted for the next 7 years because someone at Toyota didn't do their job properly!
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of unauthorized activity and should not be listed on my credit report. 
Accounts : XXXX. XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$420.00} XXXX. XXXX  XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Inquiries : XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Consumer Loan

I bought Lexus GS 350 car from a Lexus dealership in XXXX MD in XX/XX/XXXX. At the time of the purchase the dealership also sold me GAP insurance policy issued by Toyota Financial Services at a cost of around {$700.00}. This vehicle was involved in an accident on XXXX XXXX, XXXX and as a result it was declared a total loss. XXXX, the insurance company, paid {$40000.00}, a part of which was paid directly to XXXX Bank to settle the outstanding loan against the vehicle. Between XXXX XXXX and XXXX XXXX I wrote XXXX letters to " Toyota Financial Services XXXX XXXX XXXX, XXXX XXXX, IA XXXX '' to cancel the GAP policy and make a prorated refund because the vehicle is no longer in service. Each time they responded that since you have not furnished all the information, your claim can not be settled. This is wrong because they have been given all the information and documentation more than once. I am repeating all the information here for your ready reference : Toyota GAP Agreement Number XXXX VIN # XXXX XXXX Loan Amount {$51000.00} XXXX outstanding loan paid by XXXX {$17000.00} ( The rest was paid by me ) There is no other information needed by XXXX to settle my claim, yet they refuse to take any action. 
It is my contention that the GAP policy sold to me by Toyota Financial Services was an act of Financial FRAUD. They had no intention of paying anything if the vehicle in question met with an accident. Toyota behavior is in stark contrast to XXXX which processed my claim within days of the accident. I want CFPB 's help in recovering the cost I paid for this GAP insurance coverage. Also I want the bureau to investigate Toyota for selling a fraudulent product to the consumers. Thanks.
Product: Credit card

On XX/XX/XXXX I received an email from XXXX that " Your XXXX Anywhere XXXX ( XXXX ) statement is ready. '' This was the first notification I have ever received from Citi that a statement was available. I received this card on XX/XX/XXXX, when XXXX ended their relationship with XXXX. XXXX transferred my recurring XXXX membership payment to this new card without my knowledge. 

When I logged onto the Citi website to review the XX/XX/XXXX statement I discovered I had been charged {$100.00} in late fees and interest in addition to {$55.00} for the renewal of my XXXX membership on XX/XX/XXXX Despite enrolling in paperless statements when I received the card I had received no previous notices that my statement was avaiable, so I had assumed there had been no charges on the card. 

I attempted to get the late fees removed by discussing it with multiple Citi representitives on the phone and by on-line chat, but all they were willing to do was refund XXXX of the late charges, and only after I paid the current balance. On XX/XX/XXXX I paid {$120.00} and a late charge of {$37.00} was removed from the account. 

I want the remaining late fees and interest of {$65.00} to be credited back to the account. Citi failed to notify me of the outstanding balance until XXXX months and XXXX statement closings after the first statement went unpaid. The only charge ever made on the card was the XXXX membership, which I received no notification of from either Citi or XXXX. If XXXX of the late charges was refunded why not all of them, as they arose from the same incident. 

I have included XXXX statements, XXXX emails and transcript of the chat. 

Thank you for your assistance.
Product: Mortgage

I opened escrow with PennyMAC XX/XX/18 for a refinance loan on my home in California. Their loan department and underwriting team failed to deliver services in a timely manner. Escrow was suppose to close on XX/XX/18, but the loan XXXX dropped the ball on handling my documents. There locked rate expired on XX/XX/18. No one communicated with me whether the documents were submitted for an extension of the lock rate was submitted. The underwriting department complained I had a 6 month gap of employment because of a sabbatical I took to finish my XXXX XXXX. The communication between PennyMac loan department and consumers was horrible. No one returned calls that were made the week of XXXX XXXX. I ask to speak to a supervisor, but never received a call until XX/XX/18, a week later. XXXX the sales manger called me yesterday to go over the details of my loan. He was poorly prepared for the conversation and said I did not have enough income for the loan to be funded. I stated do yo have the right file, because I make over {$200000.00} a year and my debt to ration is only 29.5 %. I feel something is very wrong with how this loan was handled. No written communication was given to me and no resolution was made thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife declared bankruptcy and we had a joint credit card account. The company immediately closed the account and did a charge off before even contacting me or giving me a chance to tell them I will still make the payments. I am still paying the account exactly as agreed and have never been late! My credit report is showing a charge off and is not updating the balance! Also says late. This should not even have been charged off without contacting or advising me first. I had great credit and not one other blemish on my report untill this. This one account ruined my credit. I have contacted the bank three times and I disputed the account on my credit report. Nothing is changed or being updated!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit, now they won't give me a credit report. I did not authorize anybody to pull my credit report and if they did I want a copy of the credit report
Product: Debt collection

In XX/XX/2018 I was having issues with my air conditioner and had XXXX XXXX out to fix the issue. The replaced a TXV valve and charged {$1100.00} which I paid promptly.

In XX/XX/XXXX I continued to have the same issues with the valve not reversing, so I called XXXX XXXX to see if the valve was under warranty. They told me they would come out to look. Giving me the impression that it was covered under warranty and making no mention of any cost.

They came out and said that they couldn't find an issue with the valve, and recommended I just get a new system, and gave me a quote for one. No fix was made to the system, and they left with no mention of cost and without having me sign for anything.

I later received an exorbitant bill for {$240.00} in labor. I attempted to call and dispute and ended up leaving a message with which I had no reply.

In summary, I paid {$1100.00} for an item that continued not to work, and they were unable to fix, and now they are attempting to charge again for not repairing the issue.
Product: Mortgage

On XX/XX/XXXX a request for a mortgage discharge and " Paid in Full Letter '' was made by telephone and by facsimile. We were told that the account had been found and was paid in full in XXXX. Many LENGTHY subsequent phone calls were made and the discharge has not been recorded, nor did we ever receive a Paid in Full Letter. We also sent the request via email as lender requested of us. The emails were never responded to either.
Product: Mortgage

I Started a refinance for my property with Freedom Mortgage, I was told i will get interest rate of 3.5 % and will have to pay 0.5 point only. 
then we went with the process and kept sending all documents they needed promptly, I kept sending them follow up email, text messages and calls to get updated on progress. finally about 15 days ago they ordered the appraisal and i had to pay for it, as soon as the appraisal result came back they said we are ready to close but i have to pay 1.5 point to keep the rate of 3.5 % .... 
I complained to management who couldn't explain why i would pay 1 point more except that rates had changed and i have to pay more. 
Now i was locked for the rate and percentage agreed on but it was expired because they didn't keep working on my file .. they didn't even mention that change on the terms before i had to pay for appraisal fees. 
I had called them many time asking to either give me the promised rate and points or refund the appraisal fee as it was not my fault it was their fault, the completely ignored my request and send me a CD for closing on their higher points. 
It feels very unfair that i was sending documents so many times because they taking long time and they always need updated documents, lose the opportunity to REFI with other Banks while Rates were still low and paying {$670.00} for an appraisal that i didn't but only for their Refi. 
and the bank doesn't want to help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,
Product: Checking or savings account

Some one got into my account and took my money on multiply occasions and the bank never refunded my money and never tried to contact me about it
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint today to inform you that I have been a victim of fraudulent activity. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies must eliminate any items indicated in an identity theft report, reference number XXXX. Attached are documents to facilitate the removal of erroneous information and fraudulent items that have been incorrectly added to my credit report. Below is a list of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX. Per FCRA Section 605B ( a ), the Credit Reporting Agencies are obligated to delete any consumer file items identified as stemming from alleged fraudulent activity within 4 business days following receipt of such a claim.
Product: Credit card

XXXX XXXX XXXX  Home Depot has charged me insane interest. I have a promotional balance on XXXX card of {$1700.00} that was due to expire on XX/XX/24 ( account ending in XXXX ). On XX/XX/24 I paid {$1700.00}. Home Depot decided to split the allocation between multiple purchases rather than pay off the promotional balance ( as I requested ) and on XX/XX/24 charged me {$580.00} in interest. They did the same thing on another account earlier this year ( account ending in XXXX ). That amount was only {$52.00} but it is still absurd.
Product: Credit card

XXXX XXXX charged me for an item 3 times. One time was refunded. I disputed the remaining charges with Discover the following weekend. They denied the dispute today, and the charges remain on my account, meaning I paid for an order that was swiped 3 times. I plan to take Discover and XXXX XXXX to small claims court if this is not resolved and publish this story publiclyXXXX XXXX XXXX XXXX XXXX XXXXXXXX if I lose money. Its not that much money to begin with. That is besides the point. The point is I had the money stolen from me and both companies have failed to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute and FTC report for a fraudulent account and it still has not been deleted. 

XXXX & Transunion : Name of Account - XXXX XXXX XXXX {$1600.00}
Product: Checking or savings account

As a Capital One account holder, Ive tried to get into contact with customer service 5+ times because they have been withholding my direct deposit for two days now. I get paid early ( was supposed to get paid Thursday, XX/XX/XXXX around XXXX ). It is now XXXX on Friday, XX/XX/XXXX. There has been no true response on when XXXX be receiving my hard earned money. They only just sent out an email last night about technical issues but nothing about compensating me or anyone else who hasnt received their money. Its extremely frustrating. Im a XXXX XXXX  with bills to pay and now because of this entire situation Ill have to pay late fees as well.
Product: Checking or savings account

My checking account with Suntrust was closed due to overdrawn balance. Prior to this, I requested copies of statements for months of XXXX and XXXX through a rep via live chat. I received XXXX statement today,XX/XX/XXXX, but not for XXXX. I need this statement sent to me ASAP. Since the account is now closed, I no longer have online access to it and am unable to view/print statements.
Product: Credit card or prepaid card

I sent a payment in the amount of {$100.00} to XXXX XXXX, and it cleared my bank on XX/XX/2023 but was not credited properly to the account balance. The balance before I made " that payment '' was {$840.00}, and on top of that I Paid {$40.00} on the XXXX of XXXX, 2023. I called to speak to someone about it and all I got was rude representatives ( x3 ), one could not speak American English too well and the other two were just rude and not very customer friendly, so the communication ended without getting a resolution. There are two charges mad eon the XXXX and XXXX, but that was before I made the {$100.00} payment on the XXXX of XXXX, 2023 so my balance should be {$740.00} not {$840.00}. I could not discuss it with the reps cause they were not too customer friendly/oriented, etc. when I made the {$100.00} payment my balance was {$840.00} and that was " AFTER '' the charges made on XX/XX/XXXX and XXXX. I know American consumers have the right to discuss their account with financial institutions and have a right to be informed and their accounts be properly credited when payments are made outwith being treated with contempt and rudeness by the financial institutions agents ... ......
Product: Checking or savings account

I got scammed on XXXX marketplace and my bike will not help me get my money back
Product: Credit card

I called customer service for my capital one credit card and the representative disputed the charges and just sat quietly after I told her that was not true.If I pay XXXX on time which is a little over my requirement why should only XXXX go toward my bill.