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

I applied for a loan with the NavyFederal Credit Loan on XX/XX/XXXX App ID XXXX. I was denied due to the information on my XXXX XXXX profile. That I can't access my information. I had filed a claimant with CFBP on XX/XX/XXXX, I appealed my application once I tried to apply again the Superviser hung up on me after saying she was transferring the customer service agent. She said it was based on my income that's the reason why. I feel this is XXXX discrimination because she didn't want to appeal their decision again. I want a monetized decision based on discrimination on my application. Not waiting for the CFPB decision on the XXXX XXXX. My income is XXXX per month she said its my income. I told her I could submit my income. I can't review my report because the XXXX XXXX is not allowing me to access my report. XXXX is the CR from the Navy Federal who is about to take my second appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX  XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX  - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX  ( XXXX & Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Unauthorized Inquiries : XXXX ( 2 TIMES ) XXXX XXXX ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent this company a request for debt validation in XXXX 2015. No information was ever received so I then submitted a complaint with you Case number : XXXX in XXXX 2015. The company responded and claimed they never received my request in XX/XX/XXXX and said they would send me a copy of the judgment but do n't have my address. I did not ask for a copy of the judgment, also never did receive one. I asked for them to prove the debt was mine. I then disputed their response with you and then never heard anything back, nor received any information what so ever since XX/XX/2015
Product: Credit reporting or other personal consumer reports

These Twos Credit Bullies XXXXEquifax like making my credit worse then it already is by updating and changing remarks on my credit reports. If Ive would have known this would happened, I wouldve left it alone on the disputes I did. These 2 Bureaus is committing fraud to the consumers by not acknowledging their disputes instead just turn their heads away and just Bullying them.
Product: Mortgage

I XXXX XXXX applied for a refinance loan for my home with Embrace Home loans. I was assured my application would pass at least that is what the loan officer told me. I asked before I paid XXXX for an appraisal. The loan officer said, " I do not see why it should not pass ''. So I paid for an appraisal. Also I was told I had a credit score of XXXX and my spouse of XXXX. I received a letter from Embrace denying my application and along with that application was my credit score which read XXXX and spouse was XXXX. Furthermore, the appraisal had errors. XXXX error was the house was built in XX/XX/XXXX but it was actually was built in XX/XX/XXXX. Which concludes appraisal was invalid therefore a refund of the appraisal would be appreciated.
Product: Debt collection

I lease my unit ( XXXX XXXX XXXX XXXX XXXX ), with the options of either 8 months or 12 months w/1FREE month ( as per XXXX XXXX-Asst. Mgr of XXXX XXXX XXXX XXXX. ). The contract was supposed to be corrected to XX/XX/XXXX - XX/XX/XXXX ( As per XXXX XXXX 's confirmation email/call ). XXXX kept pushing for me to do a 12 month lease ( w/1month FREE ) and she confirmed that it was my decision to extend to 12 months during my tenancy-if I chose. Upon my move in, XXXX told me I would just need to put it in writing and inform the rental office if I chose the XXXX opt, to receive my 1 month FREE. It was not until much later in my lease term that I found out XXXX XXXX was arrested for child abuse and incarcerated. At XXXX point I did consider extending my lease to a 12 month term, but in XX/XX/XXXX I found mold in all of my window seals upon my return home for XXXX. I requested maintenance to rectify this matter ( though they never showed up until after I departed for XXXX ), and I got very sick. I had to travel to XXXX and I did not return home until XX/XX/XXXX, only to find a reoccurring episode of more mold growth in my windows. Therefore I chose not to renew my lease upon my departure XX/XX/XXXX. I sent notice to management XX/XX/XXXX, stating my intent to move at the end of my lease, as I gave notice XX/XX/XXXX and in person the XX/XX/XXXX. Only then XXXX XXXX - property manager began falsifying the required notice for move out, threatening to sue me if I moved XX/XX/XXXX, and she confirmed that my 60 days will be up XX/XX/XXXX. Proper notice by law requires a 30 day notice at the end of the lease. There was a high turnover rate at this apartment complex due to the mold infestation numerous break-ins lack of security and other problems as reported on the Internet into XXXX County XXXX XXXX XXXX officials. Also a new apartment complex opened across the street from the haven in which we the tenants sought residency. This is nothing more than a desperate attempt to gain revenue and forced me into a longer lease term. Noteworthy I was living in the unit in XX/XX/XXXX, but no court action was ever filed seeking unpaid rent or eviction. I requested an exit walk-through that the rental office ignored and refused to show up, which I videotaped had an inspector out and I took photos of everything.
Product: Mortgage

I have a mortgage with XXXX, DMI my escrow account got messed up and home insurance did as well. I got granted forbearance XXXX, then started working with loss mitigation XX/XX/22 when I got my first packet. I been actively working to get everything to them and no communication from DMI or loss mitigation after 10 phone calls I finally contacted someone on XX/XX/22. Told they have everything and that would escalate to help avoid foreclosure. Dual tracking has occurred and I have been working with a HUD approved counselor to get everything working. However foreclosure has commenced while Im actively working with loss mitigation, Im trying to avoid foreclosure and help prevent others from experiencing this.
Product: Credit card

I noticed a fraudulent charge on my account. It was for {$640.00}. I monitor my purchases daily. I XXXX  the vendor to find that it does not exist but may be located in XXXX. I have never been to XXXX. I was told this was no issue and it would be refunded as my credit card has fraud protection. I was not contacted but I noticed that the charge was returned to my account. I called again and was told that a XXXX XXXX  had been added fraudulently to my account so I was liable. I have never had XXXX XXXX  nor has my partner nor have I owed a single XXXX cellular device. I spoke to multiple individuals and was told as told as I could provide documentation that I do not have XXXX XXXX  I would be reimbursed. I provided such documentation and was told I would hear back in five business days. I did not hear back. I called and escalated to management 3 separate times. I was told that I had made the purchases. I asked all of them what documentation I needed to provide to prove that this was not me and this was a scam. I was not given any information on what to provide. I was told that their system does not have a process for disputing electronic payment fraud despite this being a large issue in XXXX. I was also told that they had no vendor information so I could not
Product: Checking or savings account

I was asked for a favor by XXXX roommates to deposit their checks into my bank account due to the fact that they had no Driver 's License. So upon depositing said I received a notice that the checks will be on a 10 day hold because they were suspicious of the checks ( which I understand ). So after the 10 days are up the check indeed cleared but then almost immediately I received an Email saying Chase was going to close my bank account. Unbelievable! But that's not even the worst part to make matters worst Chase tells me even though the checks cleared and I waited the 10 days there going to keep the funds that were deposited. I dont know if im mistaken but ai don't think that is legal. I contacted Chase multiple times and every time I was told there's nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TRANSUNION Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a XXXX  appointment at XXXX XXXX 5 years ago which recently went to collections. I specifically did not authorize this XXXX  to perform any work which was not covered by insurance, and I did not agree to be charged any finance charges. It was initially a small amount which I attempted to negotiate but it quickly ballooned with finance charges and became unreasonable. I disputed this with XXXX and they denied my dispute. I spoke to the company certified services inc regarding the {$1400.00} charge and they did not agree to remove.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and expunged from my credit report. It is my understanding that you will verify these items with the creditor responsible for their presence. Please eliminate any information that the creditor is unable to validate. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Kindly send an updated copy of my credit report to the aforementioned address. As per the act, there should be no cost associated with this updated report. Additionally, I request that you notify any parties who have received my credit report in the past six months of any corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX Account Number XXXX, Account XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
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 card

I put in fraud charges back in XXXX XXXX For 5 transactions. I am not responsible for 3 Out of the 5 transactions. The other 2 were placed back on my statement. They said I benefited from these transactions. Which is a slap in the face, because I did not make these charges.
Product: Credit reporting or other personal consumer reports

I have had this debt removed several times and it seems it keeps getting sold to people that put it back on my credit report as delinquent. The original debtor was sprint cell phone and it was removed once the reporting agencies looked into it. This was several years ago and i dont think i should have to keep starting cases to get it removed. The debtor now is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN. XXXX For {$720.00}. Can someone please fix this so i dont have it come up again?
Product: Debt collection

THE BANKRUPTCY COURT IS REPORTING ON MY CREDIT ACCOUNT AND I HAVE PROOF THAT THE BANKRUPTCY COURT DO NOT REPORT TO ANY CREDIT BUREAUS, AND THEY ARE SHOWING 10 BANKRUPTCY
Product: Debt collection

On XX/XX/XXXX XXXX of collection reported on my account/collection letter sent to me, Wakefield and Associates add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately. According to HIPP law they have no right sale my personal health records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} FXXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}
Product: Credit card or prepaid card

As I was enrolled in autopay through XXXX Synchrony Credit Card, on or about XX/XX/XXXX, the company deducted the amount of {$1300.00} ( amount due as of closing on XXXX XXXX ) twice from my checking account. I immediately called to complain and was told that this amount could only be refunded to me and that this refund could take up to 7-10 business days. Following that time period, I again notified the company as I had not received the check. I was then told that it had originally been noted as a dispute rather than a refund and that the dispute could now take up to 90 days. This customer service agent switched the complaint to a refund and said I could expect the check within 7-10 business days. I did finally receive the check but upon looking at my statement, I saw the same amount listed as a charge on my account. This greatly added to the usual monthly bill I receive from XXXX ( hovers around XXXX per month ). I complained at least XXXX times on the phone and have written numerous letters to their customer service center. I even supplied them with all of the charges I made since XXXX and all of the payments I made since that time and it does not add up to an amount that includes the {$1300.00}. I include the letter of complaint I wrote earlier this month as well as an accounting of all of my charges and payments. I pay the balance in full as of the bill closing date monthly. However, at this juncture, that amount is way too high for me to pay in XXXX month ; I will therefore incur interest charges which I attempt to avoid by paying the balance in full. I am seeking a resolution to this or I would like to see the charges that amount to an additional {$1300.00}. Attached you will find my letter explaining the situation as well as all of the charges posted and payments made since XX/XX/2021 to this account.
Product: Vehicle loan or lease

representative harassed me about missing a payment. I made a payment. provided medical reasons for missing payment. Yet still they stated I was behind. As I tried to pay the money was put on current charges leaving late fees adding up from missing payment. XXXX  they came and took the vehicle from my workplace while I was working. I've been receiving a letter stating the car that was {$17000.00} sold for {$6500.00} and I owe the reminder or my wages will be garnished. The vehicle had XXXX miles at the time of purchase.
Product: Debt collection

This complaint does not fit exactly into the options provided. My last day of work was XX/XX/XXXX. I worked XX/XX/XXXX and was entitled to Holiday Pay for XX/XX/XXXX. I sent them a registered letter disputing I owed this debt. I have never heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify my credit report due to 3 accounts listed on my credit report that does not belong to me. For almost 8  months of constant communication with Equifax my disputes keep coming back saying it was verified as me. On XX/XX/2019 I mailed in evidence that three accounts held by XXXX in the amounts of {$220.00}, {$130.00} and {$150.00} to Equifax proving that those accounts are under a different name and should not be reporting on my credit report. I am still awaiting a response from my last complaint. However, I received notice from Equifax on XX/XX/XXXX that they have deleted only one account. All three accounts are under the same name yet Equifax only deleted one. I would like to have this further investigated as I am uploading the evidence for the corporate department.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was taken in by a investment scam. I explained to Capital One what happened, that the company did not deliver services as promised, and would not allow me to withdraw my own money. The numbers I had for the company did n't work, and no one responded to my email. Capital One reversed the charge but then re-billed me for the charges once the company provided fraudulent documentation regarding the claim. Capital One would not listen to me despite the proof I provided. They did not complete an investigation with due diligence and enabled a company illegally conducting business in the United States to defraud me.
Product: Debt collection

My debit card was lost in XXXX of 2019. When the replacement card came in, the automatic payment od gym membership fees has not switched over. My dues have not been taken out since XXXX of 2019. Since XX/XX/XXXX2019 there were no communication to me from either XXXX XXXX ( XXXX ) or ABC Financial Services ( tel XXXX ) to notify me of the issue. I have regularly attended the gym and scanned my ID but no indication or notification was given and no letters or other communications were sent to me attempting to remedy the situation until I was notified on XX/XX/19 that I can not access the gym and that my account was referred to collections. XXXX XXXX club manager said that allegedly one email was set to the email on file on XX/XX/19. I do not have any emails from them regarding the status of my account. I disagree with the way XXXX XXXX managed this matter. They did not clearly disclosed how they manage late payments. They failed to notify me properly about my account status. They referred me to collections without giving me the opportunity to remedy the situation. Now I have a collection record on my credit history and I feel it should have been taken care of in a more transparent way.
Product: Credit reporting or other personal consumer reports

I called equifax on XX/XX/2024 to request a copy of my credit reports the agent was foreign and refused to send my call to an American representative I wanted to submit feedback about updating the equifax credit reports to make them easier to read. Similar to XXXX or XXXX
Product: Vehicle loan or lease

Midwest Acceptance is a predatory lending that has poor communication skills. I have tried to contact them on several occasions regarding my purchase. They are rude and disrespectful. I have filed a previous complaint the attorney general in XX/XX/XXXX. Since this has been done, they have made no effort to make an agreement with me to settle the balance. I have made payments that are not reflected on my credit report, and they have retailed against me by adding to my credit report that they are unable to locate me and sending to collections despite the voicemails that I left in an effort to an agreement. This account was written off 33 months ago and I have been patiently and desperately trying to get a response from the company. No agreement was ever offered to me. I was based and talked to poorly by the manager of this company. He stated " It is not my fault that you can't pay your bill, We have not pity for you '' before disconnecting the call in XX/XX/XXXX. Please investigate this company as they are not working within their rights. They refused to allow me to make any payments, and they are purposely trying to destroy my credit. I have been battling with this company for almost four years and yet to receive any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost nothing appears on my Experian credit report resulting in a XXXX XXXX nearly XXXX points lower that I get on Equifax and Transunion. 

XXXX has confirmed that they share my account history with Experian, but yet it doesn't appear. I have been with XXXX for XXXX years, yet nothing shows on Experian. I have had home mortgages for XXXX years - yet nothing on Experian. Auto loans - nothing on Experian. 

Applied for credit recently and was denied the full amount because the company used Experian. Getting {$8000.00} in credit should have not been an issue whatsoever. 

I can not contact anyone at Experian to add/seek out the easy to find missing information. Nothing on their website allows me to get anything added. And they are not looking. What do I do????