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

This is my refilling to the TRANSUNION. I have reached out to the following accounts below for so many times and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will DELETE the accounts, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting or other personal consumer reports

My debit cards and personal information were used without my permission
Product: Checking or savings account

I was charged monthly through my Wells Fargo account by XXXX without my consent on XX/XX/XXXX - XX/XX/XXXX in the amount of {$1700.00}. I got a police report and giled a complaint with XXXX as well, but nothing ever happened with that either. I have been a faithful patron of Wells Fargo over 50 years and applied for a bank card in person on XXXX XXXX and was denied. I would also like to be considered for the investigation of the ( veterans, account overdrafts, extra charges, ect. ) that's included in the XXXX - XXXX account cases.
Product: Debt collection

ONLINE NOW MUST DELETE INVALIDATED INQUIRY FROM XXXX XXXX AND FURNISH A DELETION REQUEST NOTICE TO US TODAY.
Product: Debt collection

This is my second complaint to this company, this is not my debt it is identity fraud. I asked for proof in my last report from perfection collection and I'll ask again please send all documentation with my name and signature showing I knew or was aware of the debt and he 3 times you spoke with me. besides the ONE time I called this company. They have never reached out me via phone email or mail EVER! They did attach a paper with my name Ss # with a co application XXXX XXXX please send me proof with my signature that I signed and authorized this. I am not willing to pay someone else 's debt and paying half of XXXX when the original debt is XXXX isn't working for me. Send me more info than the image I attached hat u originally sent Or I'm reporting you to the XXXX
Product: Vehicle loan or lease

On XX/XX/2018 I purchased a XXXX, VIN XXXX, from XXXX   XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over XXXX at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. XXXX XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately XXXX miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over 5 hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. XXXX ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
Product: Consumer Loan

Toyota Financial sent me included a miscellaneous charge in the amount of {$630.00}. XXXX. They stated that XXXX County ( XXXX XXXX, Texas ) assessed a property tax and that they paid it and passed the amount to me for payment. I requested a detailed accounting of the bill, however Toyota stated that they could not give me any records because of " privacy issues ''. I was instructed to contact the XXXX County Tax Assessors Office. I did so. They informed me that the county assesses a tax on the entire fleet of the leasing company 's yearly rendition and that the Tax Code requires the owner ( Toyota ) to complete the Lessee 's Affidavit of Primarily Non Income Producing Vehicle Use ( Form XXXX ). Toyota now claims that they did not receive a notarized TX affidavit " by the required deadline ''. They do not indicate when the deadline was, who was supposed to file it, and what type of notarized TX affidavit was required in order to be exempt. Further they stated, " Therefore we are required to report the vehicle as business use and no refund will be issued by the county. '' It is my understanding that this tax applies to commercial vehicles only and DOES NOT apply to personal use vehicles. Toyota Financial states that I need to refer to my original lease and that I am liable for payment, even though there appears to be some sort of clerical error on either XXXX County or Toyota. It hardly seems appropriate that I would have to pay a tax on my personal car because it has been erroneously listed for commercial use.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

XXXX Send my LOAN TO SPS. XXXX WILL NOT HELP FIX THE PROBLEM! SPS IS NOT AWARE I AM NOT SURE HOW TO FIX THIS PROBLEM I SEND SPS ALL THE PAPERWORK THEY CAN NOT FIND IT. 
This is my I can't complain regarding XXXX Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by XXXX denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX XXXX is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to Select Portfolio Services with incorrect information stop my taxes and loan history. 

I received a letter from XXXX which I am including as a PDF with this complaint XXXX did not fixed my property taxes according to XXXX County. 
I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by XXXX respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX intend never missed a payment because of XXXX negligence an unfair debt collection my credit score dropped 300 points and XXXX servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of XXXX negligence. the new servicer has received incorrect information from XXXX transport in XX/XX/XXXX. XXXX 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed infomation on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to all XXXX credit Agency. And I request for this matter to be removed due to the fact I did not authorize it to be on my consumer report and the credit agency to refuse.
Product: Credit reporting or other personal consumer reports

My car was stolen in XXXX  with all of my personal information inside of the car. A police report was filed. Also I was at a casino and I was approached by the police stating that I was banned from the establishment based on my name. I asked them are they sure that they were speaking about me. I provided them with my drivers license and they stated that it all of my information but the Identification they had on file had a picture that was not me on it. I am a victim of identity theft and I provided all of this information to the 3 credit bureau and disputed the accounts that do not belong to be and they continue to report the information on my credit reports.
Product: Checking or savings account

Good Morning, First, none of the answer choices match the issue I am having. I'll provide as much information here as possible. XXXX ( Key Bank ) has been calling my mobile almost every day for the past several YEARS. Years ago, I explained that I am not the person they are looking for. I've asked to speak to a supervisor. The calls do not stop. I do have the number blocked, but get voice a message cluttering up my voicemail every single day! 

Somebody, somewhere has my phone number attached to their account. I have received calls daily from them for weeks on end. Every now and then it stops for a week or XXXX and then it starts back up again. 

My best guess is this is a collections attempt. As long as whoever it is pays their bills, the calls let up but only for a short period when the payment is due again. 

I would greatly appreciate if there is there anything you can do to make these people stop calling me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Preffered Lease was opened in my name XXXX XXXX with a monthly installment of {$230.00} when I purchased a {$3500.00} dollar refridgerator from a company called Conns. After making 2 payments, and recieving a damaged company, after having complained to the company many times asking for replacement, it was finally decided that we would cancel out all ACH payments and they would pick up the product, cancelling out my lease agreement with them. This should have satisfied my agreement and i am now seeing it as a negative mark on my credit report with a total amount due in the {$8000.00} range! This is fraudulent. Can you please look into this for me. 
Thank you.
Product: Student loan

On XX/XX/1922, I called Fedloan to ask for a refund for payments made during Covid period under Cares act. It has been over 4 months and still havent received a refund. I called again on XX/XX/22 and checked on the status of the refund and they said I never requested a refund. I have email documentation and phone records showing I requested the refund.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Money transfers

On XX/XX/2016 at XXXX cst I commenced a transfer of {$40.00} to a fellow collegue and during this transfer of monies paypal commenced to placing a hold on the funds as they were posted and moved from my account to his. I contacted paypal as there seemed to be alot of the same issues going on for myself amongst others I had spoken with that did business with Paypal. XX/XX/2016 at XXXX cst I built my way up the management ladder and ended up speaking with a mgr by the name of XXXX in the Paypal Customer Securities/Payments. At this time I had already spent about hour or more weaving my way through c/s reps whom seemed to be less than knowledgeable in their job duties with the companies and were of no help with resolving the matter. When I sent the funds I contacted Paypal to make sure the issue didnt arise and was assured it would n't and here we are and Paypal currently is holding the funds and will not release them to whom I sent them to or back to myself.
Product: Credit card

Chase cards out of XXXX Ohio continues to charge me interest monthly, even though I pay my bill in full monthly by the XXXX of each month.. I have called time and time again 3 months now in a row their dispute department, and still they can not seem to properly correct the problem. They tell me I did not pay my bill on time which is incorrect. 
They seem to be very incompetent. I am requesting that Chase makes sure to solve the issue immediately or I will be dropping there services and banking. Also they refuse to agree with me on over charges from an XXXX XXXX 2015 statement bill from XXXX XXXX XXXX in XXXX XXXX of a {$50.00} credit. Reason .... XXXX XXXX billed us for two nights and we stayed one night. We arrived late the next day due to traveling complications. And my wife and i stayed one night. I submitted all paper work to Chase dispute with a negative response. I paid a deposit of {$34.00} and then got billed another {$100.00}. The room we stayed in is {$65.00} a night not {$100.00} a night. This included the resort fee etc I am a long time customer of Chase with good credit who pays my bill in full monthly. I expect better service with support. I 'd like an executive to call me at home XXXX eastern time any morning and solve these XXXX issues for me.
Product: Mortgage

We received a property tax delinquent notice from the county in XX/XX/XXXX, warning us that our property tax for XXXX has not been paid, and fined us {$340.00} as penalty. We called The Money Source , the mortgage servicer, right away. They told us because they just started to service the mortgage in XXXX and the loan was not set up correctly in their system, they missed the property tax payment. They paid the property tax a few days later, but they used our escrow account to pay for the {$340.00} penalty. We called in to them that it is not right because we had never missed our mortgage payments and it was their fault to miss the payment. But they refused to refund us the money. 

During the process, we found out their system is a mess. We asked for an escrow analysis because every time, the person on the phone would tell us something different. It took them about 3 months to provide an analysis without many details. We questioned about the initial balance and where the escrow payments we made at loan closing went. They could not answer the question and instead instructed us to call the title insurance company. We called the title insurance company. The title insurance company thinks it was the most ridiculous thing they had ever heard. They had no idea where the money was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : Equifax credit bureau has placed an extended fraud alert on my credit file without my knowledge or consent and has not listed my current phone number for creditors to contact me to verify my information. I am currently trying to apply for credit and have been advised that Equifax has an extended alert on my credit file. I was told that until Equifax removes alert or adds a phone number, my applications have been denied.

In XX/XX/XXXX, an Equifax representative told me that I have two credit files under my social security number which is why I have difficulty ordering Equifax reports online. The rep stated one file showed I had an existing mortgage loan. I confirmed that I did not have a mortgage loan, and I was transferred to Equifax fraud department. A rep in the fraud dept stated he only could see one file.

In XX/XX/XXXXand XX/XX/XXXX, I tried again ordering Equifax report online and was asked the same 4 questions about a mortgage loan and a department store card. I answered the questions accurately and again I was denied online report. I called Equifax again and complained, and was told that I only have one credit file. No one could tell me why I was unable to get report online.

On XX/XX/XXXX I applied for two credit cards online.On XX/XX/XXXX I tried getting Equifax report from Equifax website. I was asked the same questions regarding a mortgage loan. I was denied my Equifax report. On XX/XX/XXXX, I called Equifax and explained my situation again. The rep assured me I only had one credit file and he confirmed the same information I gave in XX/XX/XXXX.

On XX/XX/XXXX I was denied credit because Equifax has an extended fraud alert on my credit file and there is no listed phone number for a creditor to contact me to verify my identity. On XX/XX/XXXX, I contacted Equifax 3 times. The first call at XXXXEST, the rep verified my identity and assured me that my credit file was open and there was no active fraud alert. I called the credit card companies back and spoke with their fraud dept. I was told again that Equifax was the only credit bureau that had the extended alert and because they have no phone number listed my application could not be processed. At XXXX   EST, I called Equifax back and asked for a supervisor, I was transferred to a automated voicemail that asked me to enter my password. At XXXX, I called Equifax back, I spoke with a supervisor that asked me questions I did not understand. I felt like she was giving me " the run around ''. I told the supervisor that this made no sense. An unauthorized alert was placed on my account which is causing me grief. I verified my phone number with every Equifax rep I have spoken with in XX/XX/XXXXand XX/XX/XXXX, yet no phone number was added to the unauthorized alert.
Product: Debt collection

Portolio Recovery Associates filed a lawsuit against me for a debt that I do not owe them. I currently have a credit freeze on my account due to unauthorized credit card application showing on my credit report. On or around XX/XX/year>, I sent a debt validation letter to Portfolio recover associated requesting the following information : What services do I owe you for? 
* Explain and show me how you calculated the debt. 
* Identify the original creditor * Provide the original contract with my wet ink signature showing that I agreed to pay you. 
*The payment history with original creditor * Provide proof of debt assignment * How and when did your company purchase and be assigned to this debt. 
* Prove the Statute of Limitations has not expired on this account. 
* Show me that you are licensed to collect in the state of Texas. 
* Provide me with your license numbers and registered agent or agent of service. 
* Has there been any insurance claim found on this debt? 
* I want to see a chain of title that you have to collect on this debt. 
* Has an attorney reviewed this account? 

To this date, Portfolio Recovery Associates only responded to XXXX of these requests for information. I have yet to receive proof that I owe this debt via a signed contract showing my signature for the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
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, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1100.00}