23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My husband and I decided to remodel our home 's floor. so we went to The XXXX XXXX located on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX and we met XXXX , sales representative. We picked what tiles we want and everything else. So the sales rep offered us a financial help with their store credit card for 12 months free interests suppose to be a promotional they had at that time, free interest for 12 months period that's what he told me. So on XX/XX/XXXX same day, he ran my name and my social number and I was approved for {$17000.00}. so we made that purchase for the tiles for {$6600.00}. after we received the tiles, and after about few weeks we received the first statement from the tile shop credit which is backed up by Comenity Bank. when i got the statement i found out the promotional free interest was only for 6 months not 12 months like he told me. anyway the balance was high and the tiles were home so i couldnt do anything, i was afraid if i call them and complain they will tell me to pay off the whole balance and i didnt have the cash at the time. so when my promtion was going to expire on XX/XX/XXXX i tried to lower my balance as much as I could to avoid paying to much interests. so i lowered my balance to {$3300.00}, and when i got my recent statement i was shocked to see they charged me {$870.00} in interests. i never expected to be this much, i know i have a balance due and my promotional rate ended but i didnt know it was going to be this much interests. so when i called them and talked to them they told me oh these were held interests for the 6 months for the original balance and i will have to pay them if i dont pay my whole balance before my promotional expires. i told them, i wish i knew that, the sales rep promised me 12 months free interests, and he told me they are free interests for 12 months, he never told me they were held interests. i thought their store credit card is just like all the other credit cards with their promotional deals for 6 months free interests or 12 months free interests. now they cant do anything about it, they dont want to wave the interests, they dont want to give me a break or help me even though i offered to pay my whole entire balance today. We feel we got scammed with this credit card, i would never opened that card if i knew the details, i was never going to apply for it if i knew is going to be only for 6 months, they played us The tile shop and their Comeity bank, i feel this is not fair and its not right, and if i dont pay they going to ruin my name and my credit. i feel this is a fraud from the sales rep, the company, and the bank, we feel trapped now and no way out of it until i pay their interests. please help me to wave the interests and make them stop doing that to other people.
Product: Student loan

i have a co signer but they call every day including sundays and before 8. they have been calling my family members i dont even talk to for weeks now
Product: Consumer Loan

I am currently being harassed by a third-party collection agency for Ace Check Cashing. I have a overdue XXXX My family and I are receiving multiple phone calls back to back throughout the day. I attempted to call them back once I got off work but I did not receive an answer. My family informed them that I can not talk on the phone while I am at work but they keep calling. In addition they gave the debt information to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 

XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00}.
Product: Debt collection

I have already explained that the manager at the time had a record and was fired for illegal account activity and falsely making records. I explained this in my disput to the credit bureau but this company continues to update and hit my credit that I owe money even after my proof and her being fired for illegal account abuse. I have proof of last months payment, payment of remaining utilities and the sign off of the apt by manger ( XXXX ) after  doing a walk thru of the apt and signing off on saying I didnt owe anything. This company is calling and pretending to be other companies and spoofing my phone number. I will also be making a small claims report if this situation is not handled through this avenue. Please see company and credit report info below : Updated PROCOLLECT , INC Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
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Product: Credit reporting or other personal consumer reports

I have written letters for years to Transunion for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back to XXXX, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all  XXXX  credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.
Product: Credit reporting

I have been disputing an invalid tax lien ( # XXXX ) with Transition and they continue to refuse me a reinvestigation. I have forwarded to them documents and lien removal letters via certified mail and yet they have not verified these items with the state clerk in order to remove the lien from my file. I have called the tax liens office to ask whether a member of Transunion has contacted them or forwarded ant of my documents to them and they have informed me that no one has. I am so frustrated with Transuion then constantly shutting me down. It is their duty to do a proper investigation and i have been waiting over 90 days fro result. I have called and it took me days to reach a reprsentative who claims that no paperwork was received and no further investigation will be conducted. I do not understand what is going XXXX. whether they are lying to me or purposely losing my documents? This lien is not valid and must be removed. I can not obtain a job, nor can i rent an apartment because this is causing a severe affect on my life and this credit monitoring agency does not care and pretends to have not received my documents refuting their verifications. this item should never have been verified. i am speculating that their systems may be outdated or something. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report that i have requested to be deleted by the XXXX XXXX XXXX in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. Please see attached creditor response.
Product: Checking or savings account

I contacted my. Bank Suntrust. Friday XX/XX/2018. At work ; after seeing a repeated pattern of excessive fees reposted to my savings account. I was told that the transaction was reversed. I was told. " I had 6 times a month to transfer funds between accounts. The {$12.00} was never returned to my account. Instead another {$12.00} was taken out. In less than a month XXXX+XXXX+XXXX was taken out of my account. In less than a month. A total of {$30.00} was taken out of my savings account by Suntrust Bank. I now want to officially close my account with suntrust. And file an official complaint ; against Suntrust Bank. I feel so violated by this Bank ; as a client. My name is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint against GM Financial for this exact same matter and it was closed by the CFPB. Complaint # XXXX I don't understand how a company like GM Financial is allowed to get off the hook for falsely reporting information. As of this morning, XX/XX/XXXX, my credit report now reports my last payment as being in XX/XX/2016 and reports a balance of {$0.00}. However, I recently paid my bill and according to GM Financial I still owe them in excess of {$9000.00}. 

This is fraud, plain and simple, and this is affecting my credit. 

GM Financial is being incompetent and I believe is intentionally being disruptive and destroying people 's credit. They have refused to discuss the matter during multiple phone calls to the company. 

I will be speaking with an attorney and seeking financial restitution immediately if this matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Vehicle loan or lease

I lost my job and do not have an income at the moment. I am still waiting for unemployment to start being paid and the amount will be minimal when it does. I called Honda Financial on XX/XX/2023 around XXXX  to see if they had any options for assistance such as a deferment. I was placed on a brief hold and then the rep, XXXX, advised that I was not eligible for anything because I didnt have an income and because I would have to pay late fees. I explained I am doing everything I can to get an income and need some assistance, if I had a job I would not need assistance. I have had my car for 2 years and have not received any assistance so I am not a repeat offender or anything. I pay my payments within the month they are due and I have not been 30 days past due at any time.the rep did not care and was rushing to get me off the phone. I asked for a supervisor and was told this is not a supervisor issue. I advised the rep it is my right to speak with a supervisor and he again did not care and was trying to hang up. He then placed me on hold for an excessive amount of time I assume to try and get me to hang up. He refused to provide me with any information on a hold policy, the name of his supervisor, and did not have any information on where I could file a complaint or send written correspondence for research. All I need is an extension or deferment and at this point I feel they want me to fall past due so they can repossess my car since they are clearly not interested in working with me or the well being of their customers. This is very predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my XXXX report and I noticed there is a total of 4 credit inquiries made by XXXX XXXX on XX/XX/2018 in regards to 4 of my retail accounts. XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX. I do not recall authorizing these ( 4 ) credit inquiries. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I have been a victim of a security breach and what that said I am requesting you initiate an investigation into these inquiries to determine how this inquiries were requested and processed. I ask that these inquiries be immediately removed from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me written proof of this and a detailed explanation of how.
Product: Credit reporting or other personal consumer reports

I am really upset by how my last complaint has turned out and I wish there was a way to describe the immense stress I am getting from this account that has been reporting inaccurately on my file- but there is none. It's getting frustrating and I really need to get a new loan but this account is stopping me from doing so.
Product: Credit card

My ex-wife opened up a credit card in her name on my account AFTER the divorce have been already finalized. She charged {$2500.00} on my account which she signed in her name on all of her charges without my approval to any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother has an credit card account with Discover Card and it's reporting on my credit report with all three reporting agencies. It's not bad credit but showing up on my account as maxed out and hurting my score. I have never authorized nor signed any paperwork with or without a wet signature approving. I have never made a charge on this account nor had my own card. I have reported this three times and keeps coming back as reporting correctly. My mother finally contacted Discover Card and they closed the account for me. I am trying to build my credit to buy a house and start my own life. I have not received any letters from none of the reporting agencies with any information, only when I go to XXXX it showed the results. I need help, please.
Product: Credit card

On XX/XX/2023 I made a purchase of {$9400.00} on my credit card. I read about a repayment plan that allowed me spread large payments up to 24 months with no interest. Once Id made the charge though they told me the repayment plan is actually only up to 3 months. I spoke with American Express customer service on XX/XX/2023 at approximately XXXX. They told me that offer had changed and that no one could manually update it. They then tried to convince me to pay off the charge with my monthly APR and just told me no one has no control over the repayment plan.
Product: Mortgage

My ex-husband applied for a loan modification with Bank of America ( BofA ), while we were in divorce proceedings but still legally married, with the hired assistance of XXXX XXXX and XXXX XXXX of the now-defunct XXXX company in XXXX XXXX. XXXX and/or XXXX forged my financial information and my signature on the BofA loan modification application WITHOUT my knowledge or consent. Along with the application, a court transcript of a divorce settlement was provided to BofA by XXXX XXXX ( ex-husband ) and/or XXXX representatives who represented to BofA that it was a final divorce judgment, which it WAS NOT. BofA accepted this court transcript as a divorce judgment despite there being no official court filing stamp or documentation to substantiate the paperwork. BofA approved the loan modification based on this falsified information and permitted ONLY XXXX XXXX to sign the loan documents even though my name was on the previous mortgage as well as the new loan modification mortgage. I learned about the loan modification after it was approved. I contacted BofA on several occasions to ask how they could only allow XXXX XXXX 's signature when we were not divorced and since my name was on the loan. They claimed that they " thought '' they had a divorce judgment ( decree ) in their possession, even though the requisite court filing stamps, etc. were not on any of the divorce settlement documentation they had received. Bank of America was made fully aware after XXXX XXXX secured the loan modification that it was obtained with falsified and erroneous information, and submitted under penalty of perjury. 
Bank of America 's policy of only permitting one signatory on any loan that is held by TWO individuals is a violation of law. Bank of America 's Loan Modification website clearly states, " All borrowers on your loan agree to participate. '' Bank of America failed to adhere to its own policies. The forgery component is clearly against the law, and BofA 's knowledge of this and unwillingness to take corrective action is reprehensible. It begs the question, 'If BofA believed that we were divorced, and that XXXX XXXX was receiving this [ XXXX XXXX XXXX, XXXX , CA ] property in the settlement as stated in the XX/XX/XXXX court transcript, then why did n't BofA redraft the loan modification documents to reflect XXXX XXXX " ownership? ''
Product: Credit reporting or other personal consumer reports

Consumer Name : ( ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX  XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX XXXX XXXXXXXX, XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, cXXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$640.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$430.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$310.00} XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX  Account # : NAM*GB** date opened XX/XX/XXXX bal. {$100.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$37.00}, XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This account was open, for my ex husband, he used my information without my consent. 
during the time was open I was living in another country, I knew about this only a few months ago, I called company provide my cell number because I was told they didn't know the agency with my case and they will call back. nothing happened!! how can they have this for such a long time hurting someone credit and they have no clue how agency is collecting this or where to contact them.
Product: Money transfer, virtual currency, or money service

The cfpb findings indicate that Zelle has neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving my account vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns for the safety of your consumers
Product: Debt collection

The debt was paid in full in mid XXXX ( {$110.00} ). Then they took another {$55.00} out of my account on XXXX. Then mid XXXX they sent a statement showing they owed me a refund on {$55.00}. Despite this they took another {$55.00} out of my account which then caused an overdraft charge from my bank of {$35.00}. I have contacted them and they said send documentation which was on XXXX/XXXX/XXXX ( both faxed copies of everything and mailed copies of everything ) Since this time they have locked my account online and will not respond to my emails or inquires.
Product: Vehicle loan or lease

I made my payment on time and its reflecting 30 days late.
Product: Checking or savings account

I have been a victim of identity theft and have not been able to obtain a bank account due to early warning services inaccurate reports