23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account ( XXXX - XXXX and XXXX ). Because the accounts being reported by your company, XXXX XXXX and Experian are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information Please find below my updated accurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Second attempt : as per my phone call to Citi on XXXX/XXXX/16 previous document submission was not able to be read so attached is a second copy. I will be filing complaint to the consumer finance department and XXXX for Citis lack of communication and ability to resolve issue in a timely manner. This dispute has been ongoing for months and Citi has not effectively communicated with us and despite numerous phone call and hours of being on hold. 

As per original dispute : transaction on XXXX, 2016 the original engine core Charge of {$500.00} invoice of transaction and bill with charge are attached to the original transaction pdf file. 

On XXXX XXXX Engine was exchanged {$0.00} invoice attached. On XXXX XXXX Core engine was returned and refund of {$500.00} from original engine purchase date of XXXX XXXX, 2016 should have been refunded instead my Citi Card was charged additional {$500.00}. 

I would like this situation resolved as soon as possible vendor already stated this transaction should have been a refund not a charge and Citi has not worked with me in resolving this has has provided the worse customer service ever!
Product: Checking or savings account

Hi, In early XXXX, I lost my wallet. I called Associated Bank and ask for them to overnight me a replacement card. Associated Bank told me I had to wait 7-10 business days. In the interim, I had a hold on my account. Associated Bank only has locations in Wisconsin, I live in Maryland, I could not go into a local branch. I waited 10 business days and I had no received the card. I called back and was told they forgot to order the card and it would be another 7-10 business days. I couldn't go 20 days without access to my money. consequently, I started an new account at a local bank. I asked associated bank if I could cancel my account without coming in to a local branch. I was told the only way was to bring the account to XXXX  balance. I transferred ( what I thought ) was all the funds in Associated Bank into the new account I started locally.my money to a new account.I thought I switched all my reoccurring withdraws to the new account. I forgot to switch my student loan payment to new account. The payment is due every month on the XXXX. On XX/XX/XXXX, my student loan payment went to Associated Bank and was denied and I was notified. I switched the account info for XXXX 's payment. I called Associated Bank to find out what happened in XXXX because I got the notice about XXXX 's payment. I was informed, I had accidentally left XXXX dollars in the account thus it was still open.they also told me that I owed the difference of the my student loan payment and a bunch of fees. the fees were nearly XXXX worth of charges. I explained to the representative the situation and that I would pay the difference plus {$35.00} dollar overdraft fee. The representative agreed. the next day I mailed a check to the address I was given. On XX/XX/2019 they cashed the check for {$220.00}. I explained to the representative that I wanted to have this account closed and sever my relationship with the bank. I wrote FINAL PAYMENT and Close Account on the MEMO line of the check. I called Associated Bank today, I was told I still owe {$47.00} dollars and the account can not be closed until they receive payment.
Product: Debt collection

On XX/XX/2020, I received a voicemail on my cell phone at XXXX. I wasn't able to answer the call because I was working. When I listened to the phone call the person that left the message identified herself as XXXX XXXX and she states she was " contacting me due to a case that is in the process of being filed in XXXX XXXX County and said by law she had to make me aware that once case # XXXX is filed through the county it becomes a matter of public record and there is an order to have me located, since she wasn't able to reach me by telephone she was instructed to contact my employer and speak directly to my supervisor because that looks like it most likely would be my place of location. She proceeded to say I had the legal right to contact the proceedings office that is processing my case however I had to contact them to before my case was filed. Once my case is discharged from their office all my legal rights will be forfeited. The number for that office is XXXX and it does state there that I will need to speak with their legal department. This is considered to be my notification by telephone and will be located unless otherwise instructed. '' I called the " proceedings office '' at the number provided in the voicemail and spoke to a representative named " XXXX XXXX ''. I advised her I had received a troubling voicemail threatening legal action and she proceeded to locate my account and read the " allegations '' that will be brought against me. I asked her for the name of their firm however she only told me the organization is named " XXXX '' and wouldn't provide a mailing address, all she told me was that they're headquartered in XXXX, Georgia. The reason I asked for the mailing address was to send a cease and desist notice however I was not provided that information by the hostile representative.
Product: Mortgage

About 8 years ago I had to up and leave my house to move for care of my daughter. To which we had renters but they XXXX us over and we didnt have time or money to deal with a house as my daughters health was way more important and the renters messed the house up. I have filed a few complaints on this company already. 7 years later the house hasnt been paid on its suposed to get forclosed. Its in the process but from what Ive been told my law office keeps getting hung up with SUNTRUST MORTGAGE on this issue. My credit has already been turned to XXXX cause they wont do anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXXXXXX IS IN VIOLATION OF LAW 15 USC 1681 IMPROPER USE OF MY PERSONAL INFORMATION
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It XXXX Concern : I am submitting this formal complaint regarding a retail installment sales contract I entered into with XXXX XXXX XXXX, financed by American First Finance, XXXX ( XXXX ). The agreement in question is identified by Account XXXX : XXXX, executed on XX/XX/year>. 

Upon reviewing the terms of this agreement, I have serious concerns regarding the legality and fairness of the financing arrangement, particularly concerning the Annual Percentage Rate ( APR ) of 169.32 %. I reside in the XXXX of New Jersey, where state usury laws cap interest rates at 30 % for consumer transactions and impose a 50 % limit for criminal usury. The XXXX stated in my contract far exceeds these legal limits, which raises concerns about predatory lending and potential violations of New Jersey 's usury laws. 

Furthermore, I have made payments on this contract over the past year and feel that I have been subjected to unfair and abusive lending practices. The principal amount borrowed is {$1700.00} and I have paid almost 3 times that amount with this financing contract.The excessively high interest rate has placed a significant financial burden on me, which I believe is exploitative and violates my rights under the New Jersey Consumer Fraud Act and other applicable state and federal regulations. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. Specifically, I seek : A review of the contract 's legality under New Jersey usury and consumer protection laws. 

A determination of whether XXXX 's lending practices constitute predatory lending. 

Restitution or reimbursement for any interest paid in excess of New Jersey 's legal limits. 

A correction to my credit report if this agreement is found to be unlawful. 

Thank you for your attention and assistance in this matter.
Product: Debt collection

I sent Nationwide Southeast a Fraud Affidavit on XX/XX/2016. As of date, they are still reporting information that do not belong to me on my XXXX and XXXX. I have also sent this same Fraud Affidavit to XXXX and XXXX and they have not removed this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom This XXXX Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

XXXX XXXX and equifax are missing generation identifier. These are inaccuracys Equifax reports status updated XX/XX/XXXX XXXX reports status updated XX/XX/XXXX. These are inaccuracys. 

No last payment date is reported on Equifax or XXXX. This is an inaccuracy. 

XXXX balance updated is XX/XX/XXXX. Equifax balance updated XX/XX/XXXX XXXX original balance is {$5400.00}. Equifax original balance is {$2000.00} Equifax and XXXX both have different account numbers
Product: Credit reporting or other personal consumer reports

To Transunion I have been told to write a letter to you since I am a Survivor of XXXX XXXX. 
I really need your assistance with this situation. 
The Accounts that I put below are due to XXXX XXXX : Please remove these accounts so I can start taking steps to getting my life back. Thank you so much for assisting me and offering these resources to survivors like me. 
ACCOUNTS FRAUD DUE TO XXXX XXXX : - XXXX XXXX Collections opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX 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 XXXXXX/XX/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 opened XX/XX/XXXX - XXXX  opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act as a result of Human Trafficking Debt Bondage, Trafficking Debt Final Rule. 
Please send me notification of the actions taken. 
I appreciate you for helping survivors like me get justice for what has happened. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used and published without my consent. Please see the attached.
Product: Debt collection

I 'll describe the recent call activity that took place today which was identical to the first situation that happened about two months ago with the exact same call representative. The gentlemen that called today, XX/XX/XXXX 2017, initially wanted to confirm my identity by asking for the last four digits of my social security number or date of birth. When I told him I was n't comfortable giving him my identity credentials his temperament immediately changed. He then asked why I was n't comfortable sharing my identification with him now, as opposed to two months ago. I told him because he refused to mention why he was calling in the first place. He also refused to identify himself. I then hung up the call and that 's when he overwhelmed my cell phone with at least 5 consecutive calls, back-to-back. That was before he already called 3 times before I answered the call.
The incident two months ago was worst in all aspects of the conversation. He threatened to report me to all credit agencies and that he would eventually get what he needed out of me. He used extremely aggressive language and his tone was nothing less than hostile. After I hung up on him due to his verbal abusive rant, he then proceeded to call my wife and threaten her as well. She 's XXXX XXXX XXXX XXXX and answered her call during a meeting, where some of her colleagues overheard the gentlemen and suggested that she should end the call because it sounded like a typical " scam call ''.
Product: Student loan

Greetings, I am writing you as I have already made several phone calls and I feel that I am starting to exhaust every avenue available to me. 

I will get directly to the point. I have a student loan that was opened through Granite State Management Resources ( GSMR ) that I opened in XX/XX/XXXX. That loan is currently in Good Standing, and under the Income Driven Repayment Plan. However, I have a number of late payments that are showing up on my credit report from this loan. These late payments occurred because I had a family member kill herself by suicide in XX/XX/XXXX, after a long struggle of mental illness. As a result, I received custody of her XXXX year old son only 3 weeks after her death. Taking a child in who is from an abused and neglected home has been harder than I ever imagined. At the time I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the options to keep the loan in deferment/forbearance while grieving and trying to care for a new child in our family. After several months of going back and forth with the collections department, I finally discovered the option to put the loan into the Income Driven Repayment plan. I still however, did not realize that the single payments I had been making were for XXXX different loans, and that each loan would show derogatory marks on my credit during my hardship. I was never advised on loan consolidation, therefore my credit was hit multiple times for the same late payment. 

I am not disputing the fact that these payments were late. I am simply writing this letter in hopes of receiving a good will gesture from GSMR. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where our family is growing and my husband and I are attempting to buy a house. Having these late payments on my credit report is making it very difficult for me to get financing for a home. As I said, I understand why these late payments are reporting, but I do not feel that they truly reflect my credit worthiness and my true payment pattern. Things would have been much different if I had been counseled and made aware of my repayment options and loan consolidation. 

I am asking, as a good will gesture, that these late payments please be removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future, I have taken responsibility, and I have worked extremely hard at bringing all of my loans current and keeping up a steady pattern of positive payments after the Income Driven Repayment period ends in XX/XX/XXXX. I know a lot of borrowers have struggled immensely at making timely payments and settling on fair repayment agreements with lenders over the last few years, and I would like to think that I am in the minority of people who have taken the time and effort to straighten my situation out with little to no help from anyone but myself. Hopefully my efforts will be rewarded and you can see fit to remove these late payments from the three credit reports. 

Thank you for your time and consideration.
Product: Payday loan, title loan, or personal loan

Hello, I have a loan through Affirm for my XXXX bike ( ID : XXXX ). 
On XX/XX/XXXX a charge was made against my account and labeled as " XXXX XXXX ''. As I had not made a purchase through XXXX XXXX I called my credit card company and the payment was reversed. I was credited with this payment on XX/XX/XXXX. 

Affirm later alerted me they had not received my payment. Upon speaking with Affirm, they realized they had miscoded the charge leading it to incorrectly be labeled as " XXXX XXXX '' rather than " Affirm '' as in previous billing cycles. 

After learning this I called XXXX bank and re-authorized the charge. On XX/XX/XXXX this payment was again taken from my account. 

Affirm claims to have never received this payment. I have provided their customer service with screenshots and reached out many times both via phone and e-mail. Furthermore now Affirm does not seem to be able to bill my account anymore and is refusing to resolve the issue. I do not have another account I can use beyond the two already tried. 

This has left me two issues : 1. I am unable to remit my monthly payment to Affirm, leaving me no way to pay my loan despite wanting to pay the loan. This, in turn, is dangerous to my credit. This is especially egregious when the initial problems were caused by Affirm mislabeling my payments. Customer service has refused to assist beyond telling me to try a different account ( which has also not worked and I have no further accounts ). 
2. Affirm claims to have not received my XXXX payment even though it was removed from my checking account. 
Affirm customer service has been unresponsive. Through 4+ calls and multiple e-mail follow ups Affirm has provided me no way to pay my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   sent information in  XXXX  about unpaid  XXXX  I sent them a check that same month, They never cased the check and I was never notified that {$63.00} was still due on the account, this company already was not paid by my insurance company due to them submitting the claim to the wrong department and now the submit a  XXXX  collection to my credit report using a credit collection agency and then did not use the correct address.     I called collection agency and they also sent the notices with incomplete address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank , as well as Sunrise LA and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.
Product: Vehicle loan or lease

I am filing this complaint due to a misleading auto refinance process that resulted in 2 hard credit inquiries and a bait-and-switch on my APR. 

On XX/XX/year>, XXXX ran my credit and presented me with an offer of 7.59 % APR, stating the only remaining requirement was a XXXX XXXX XXXX. I uploaded this document multiple times in response to their email requests. On XX/XX/year>, after continued requests, I called and spoke with XXXX XXXX, who confirmed he saw the document and uploaded it on my behalf. 

I never received any further communication, so I followed up on XX/XX/year>, and spoke with XXXX. She initially stated that they would send me the loan documents to sign. When I asked her to confirm the APR, she informed me it was 9.94 % not 7.59 % as originally offered. She also claimed there was no record of the 7.59 % APR on her side. 

At this point, I provided a screenshot of my original offer from PenFed, which explicitly showed 7.59 % APR after my credit was run. XXXX then stated that the rate changed on XX/XX/year>, after running my credit. However, my credit report reflects two hard inquiries from themone on XX/XX/year>, and another on XX/XX/year>. XXXX said the first one was a " soft pull ''. 

I was never notified of this rate change, nor was I given any valid explanation. The lender later claimed I " should have received an email, '' but I never did. This lack of transparency is deceptive and unethical.

PenFed has stated they will submit a request to remove the hard inquiries, but given the numerous miscommunications and lack of accountability from their representatives, I am deeply concerned they will not follow through.

Resolution Requested : Immediate removal of both hard credit inquiries from my credit report.

Accountability for deceptive lending practices and failure to disclose APR changes.

I kindly request your assistance in ensuring that PenFed follows through on their promise and is held accountable for their misleading practices. 

Thank you for your time and attention to this matter.
Product: Mortgage

As a couple my spouse and I purchased a house. He is on the mortgage, and I am on the XXXX Deed, therefore, I own half the property. We have been divorced for XXXX years and under court order he was to make the house payments and utilities until the house sold. The house has not sold. XX/XX/2021 was the last payment he made on the mortgage. I was in the hospital for 40 days and did not know until I was released that he stopped making house payments and utilities. The mortgage company will not give me any information because I am not on the mortgage and I was told I could not purchase the house because I already own it! They will not tell me how much time I have before having to remove myself and my belongings from the house. They will not work with me on a forbearance or give me time to try to sell the house before foreclosure. I have made XXXX payments, which they accepted and ran through my bank account, but I can not afford to keep doing this. I am XXXX XXXX XXXX and only draw {$810.00} in social security benefits per month after XXXX supplement is deducted. I can not find anything to rent or purchase that I can afford and there are waiting lines for assisted housing. I am going to be living in my car! I need help! I am XXXX due to XXXX, XXXX and XXXX resulting from the XXXX of my son. I am unable to work for any substantial or scheduled amount of time. I feel the bank is discriminating against me since I own half the house, but can not get any help or information from them.