23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never had a business account with XXXX and there are putting a payment on my account that is not mines and is fraudulent and it really hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently made some changes to improve my credit score. I started monitoring more and noticed a calculation error on Equifax 's website. I paid down my debt to 25 % which is correctly reflected on the report. However, the score is still under XXXX. 

When I go to the score estimator, for some reason it's scoring my information with a 45 % credit card utilization. If I adjust their score estimator to reflect 25 % ( as it shows on the actual report ), it says my score range should be 708-728. To some creditors, that's a big difference. I don't know where they are even pulling a 45 % utilization value. Please see the attached screenshots. 

I have tried calling Equifax several times in the past few months and they think I'm trying to change my score. I just want it calculated correctly, and it looks like a calculation error. 
If it's happening to me, it's happening to a lot of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on XX/XX/XXXX and XXXX regarding the XXXX account which should have been removed from my account since XX/XX/XXXX. This account last activity was XX/XX/XXXX and closed due to the student loan being transferred to another loan serviced. I disputed the transaction based on age of account but they stated the account was verified and added a remark that payment scheduled updated. Upon speaking with a representative I was told they can not remove the account and to contact XXXX. I contacted XXXX and a representative verified that no information had been updated nor any payment information. I was also told that they do not have the capability to remove the account from Equifax, it has to be done by Equifax. I contacted Equifax on XXXX and was told that my account was updated again and therefore this transaction will stay on my account an additional 7 years from XX/XX/XXXX. This account is already over 10 years old and no information has changed according to the loan services. I have been hung up on by representatives and no 1 seems to understand that this closed account has aged off my credit report. The other bureaus have removed this account. I need help because Im not getting anywhere with this issue.
Product: Credit reporting or other personal consumer reports

Account included in bankruptcy- the customer service rep stated they TD Bank systems do not talk to each other - fees were assessed during bankruptcy why the information was not posted to both systems. Payoff given of {$420.00} XXXX payment. Received next day - as of today it has not been posted. No one will return a call or update the file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX  XXXX, XXXX XXXX, XXXX  XXXX for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Vehicle loan or lease

There appears to be a discrepancy of the amount I show I've paid and the amount the bank claims I still owe for my vehicle. I've included the communication with the bank and despite my efforts to resolve this issue the bank states that they will repossess my vehicle unless I pay what they show even though they've not provided a breakdown vs. the breakdown I show.
Product: Credit card

XX/XX/XXXX : I received an email from American Express ( AMEX ) with an offer to upgrade my credit account ( XXXX XXXX XXXX XXXX ) and a Welcome Bonus of XXXX reward points. The offer was shown to expire on XX/XX/XXXX. 
XX/XX/XXXX : I used the hyperlink in the emailed offer to initiate an application for a XXXX XXXX. After negotiating the AMEX website, I was able to apply and quickly get approval for a XXXX XXXX. 
XX/XX/XXXX : I received the physical XXXX XXXX in the mail with associated paper documents. 
XX/XX/XXXX : Since none of the paper documents referenced the Welcome Bonus, I contacted AMEX via an online chat. I was told that MY Welcome Bonus was only eligible for XXXX reward points and that obtaining the bonus required more spending than was represented in the original email offer. The AMEX representative took my 'RSVP ' number from the email and informed me that an investigation/action would be initiated. 
XX/XX/XXXX ( today ) : I received an email updating my progress towards XXXX reward points, indicating the investigation was incomplete or had come to an undesirable outcome. I called AMEX and got to speak with a representative who informed me that the investigation had been completed and that the sole bonus offer associated with my account was for a potential XXXX reward points. I expressed that this appeared to be a " bait-and-switch '' offer. The representative 's response was clear : The XXXX reward point offer was the only one associated with my card account and that I would need to take my business elsewhere if I was dissatisfied.
Product: Credit reporting or other personal consumer reports

Dear CFPB Please see attached files For monthsXXXX years I have submitted complaints to Transunion regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove/Delete these items. These are NOT transaction made by me as a consumer yet Transunion keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed/ Delete within 4 days of receipt of this letter. I would like for the item " XXXX XXXX XXXX '' listed in the attached documents to be removed/Delete immediately. I look forward to your response.
Product: Mortgage

I contacted Truist by phone about canceling my PMI insurance in XX/XX/XXXX. I was told that I can not request the cancellation by phone that I can only cancel it in writing. I proceeded to send a letter in XX/XX/XXXX to cancel my PMI as I am beyond the 20 % required equity. I was sent a letter wrongly denying my request. I again sent a second letter on XX/XX/XXXX that Truist received on XX/XX/XXXX. I waited again the required 30 days for a response. I call on XX/XX/XXXX after never getting a response and was told that they did receive the second letter but they have " dropped the ball '' as I was told. I asked to speak to someone in the PMI department and was told that they do not take phone calls at all. I then asked to speak to a supervisor and was told that I could not do that either. I then asked how to submit for the audio of our recorded conversation and was told that I can not get that once again. They told me to subpoena them. How do I go about getting this handled if I can not contact anyone at Truist and they will not let me talk with anyone who can help? Do I really need to get a lawyer to do a simple PMI cancellation??? 

This is truly unethical and mischievous business practices. Of the tens of thousands of mortgages how many people do they do this too? I bet they make millions off screwing people around like this!
Product: Debt collection

For four ( 4 ) years my family and I have been receiving harassing and threatening phone calls from a debt collector who has gone by the name of " XXXX ' or " Concord Resolutions ''. If we speak to them they refuse to give us info. on who they are, where they are, what number they are calling from, etc. ( they call from hidden numbers ) what the debt is, etc. All they will say is they are looking for my Sister, concerning a pay day loan debt. They threaten legal action against us if we do not cooperate, tell us a deputy is on his way to pick us up, etc. They are calling all of my immediate family and now are starting to call in laws! They have left messages to call # XXXX and speak to a XXXX XXXX but a woman has called also, refusing to identify herself. They call all day long on all of our numbers. And it 's not limited to the adults. They are calling the teenagers / children 's cell phone numbers as well. We have no idea how they are getting these phone numbers. Once you speak to them and start asking questions or advise them to stop they seem to " ramp '' up the harassment. Like it is a game to them.
Product: Debt collection

it first started out as the obama student loan forgiveness. then went to ameritech financial. I started paying since 2016 and every month its been {$100.00} every month. I received a letter from federal trade commission stating there is a lawsuit pending with ameritech. i immediately called to find out what's going on. they told me everything is fine that its something that will blow over. notice in XXXX they stop taking money out of account. i called them no answer. I then XX/XX/XXXX them. found out that the CEO was arrested on fraud. So now i'm trying to figure out what's my next step. Because at this point i don't want to pay my school loan back at all. This happen to me twice and im frustrated. i just need to know will i get back my money?
Product: Credit card or prepaid card

Greetings, I am having an issue with my barclays credit card. I opened he account almost a year ago, and all of a sudden on XX/XX/XXXX my card got declined at a restaurant. I called the banks customer service and was assured the card was going to work on the next swipe. It didnt. Several calls later, my card still wasnt working and no one had he courtesy of telling me that my account was under review because the bank could not very my identity and/or income. A week later a received a letter from the bank demanding access to my tax information to verify my identity. Ive promptly responded with authorising the bank to receive this information from IRS. Its been almost a month that my account has been suspended, and no one communicates with me, and they are not telling me anything about the investigation. I called again today, XX/XX/XXXX, and no information was provided other than the account is still under review. I have a hard time believing that a year after I opened the account, the bank all of a sudden became concerned with my identity not being verified. What were they doing when I applied for the card in the first place. I honestly can not think about any reason other than profiling based on my nationality ( XXXX ) as Ive heard about several other XXXX facing similar problems with XXXX and other large banks. Please, help stop this invasive and unfair treatment by the bank and help me be able to use my credit card again.
Product: Checking or savings account

I have been double charged for the last 3 months plus by XXXX. I called them, emailed, etc and the false charges arent stopped and I havent been reimbursed. So I called Huntington bank to hold charges and investigate XXXX charges. The telephone clerk said they couldnt do that. I asked why I wasnt given any reason. I then asked for a policy letter and the person on Huntington call line identified herself as XXXX send, no. Secondly, I asked for company employee number she hung up. In short Huntington wouldnt put a hold on false charges and still hasnt correct false overcharges, complete account audit or tell me where nearly {$900.00} of overcharges came from or accounted for. XXXX likewise havent reimbursed me for false charges this clearly is account hacking on both accounts and they both are covering up companies insecurity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact TransUnion Fraud Department they informed me letter of deletion from Creditor or FTC report or Police Report needed to remove unauthorized hard inquiries from 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 Attached is FTC report and letters of deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I electronically field a disputes to the credit reporting agencies regarding inaccuracy and incompleteness of my record files reported by XXXX/Stride Bank. In response to my dispute, the CRA 's electronically sent a complete copy of my record file to Chime and codified the inaccuracies and incompleteness of the information. Besides the codified dispute, Chime also received a free-form text description of the information that needed to be corrected or updated as provided to me in the electronic dispute. Upon receipt of the disputes, Chime violated 15 U.S. Code section 1681s2 ( b ) by failing to review all relevant information provided, failing to modify the information reported, and failing to report the results of the investigation to results to all other consumer reporting agencies. Upon receipt of the results of the investigations and the resultantly updated reports, on XX/XX/21, I contacted the Furnisher of Information and advised that the certifications of the accuracy and completeness of the information were in error and their updated file records included nearly 30 errors combined as shown in this complaint 's annotated attachment. On XX/XX/21, I received an email from Chime that my dispute had been processed. As you can see from the attachment, errors still exist on all three reports. Either Chime deliberately misreported information known to be inaccurate or incomplete and therefore violated 15 U.S. Code section 1681s2 ( a ) ( 1 ), or all three CRA 's simultaneously misreported the information and Chime failed to establish reasonable policies and procedures for implementing the guidelines for how to ensure the information they furnish the CRA 's is accurate.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report, which revealed credit inquiries from your company that I don't recall consenting to. I am aware that according to regulations, inquiries should only appear on my credit file if I have given explicit authorization. 
Please Remove these Inquiries listed below : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX and XXXX  have both removed the collection from my credit report, but XXXX   is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..
Product: Credit reporting, credit repair services, or other personal consumer reports

During car shopping @ Mercedes Benz. There are 2 hard inquiries from the same day. How is that fair?! System is XXXX up
Product: Credit card or prepaid card

My unemployment is on my Way2Go card and I still have not recieved my card.
Product: Checking or savings account

Key Bank charged me two {$25.00} maintenance service charge fees ( XX/XX/XXXX and XX/XX/XXXX ). I contacted them via their website chat feature and XXXX advised the fees were valid based on terms of the bank account. I asked specifically what requirement I was not meeting to avoid these fees, and she couldn't answer my question. She said I should have been getting charged these fees since XXXX, but yet fees started end of XXXX. I then asked that in order to avoid the fees I need to know what I should do, to which her response was to change the terms of my account by contacting my local branch. She waived one of the {$25.00} fees, but said she could not waive the second one ( I even asked for a supervisor and asked if I should file a dispute ). She said no and to contact the local branch or wellness financial department for further assistance. If I was supposed to be charged fees since XXXX and had not, why all of a sudden now? Again, she couldn't answer why I was getting charged fees but just to change the terms of my account. My ask is to remove the other {$25.00} and let me know specifically how to avoid fees in the future.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I reached out to a person on XXXX who goes by the XXXX XXXX to get concert tickets, as they made a post that they were selling tickets to see the XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023. I reached out to them to inquire more. I told them that I was wary of scammers selling tickets, and after assuring me they werent a scammer, they even stated that I can only pay half and then after they send the tickets I can pay the remaining amount in good faith. I was fooled by the human-like interaction I was having, and ended up sending half the payment, {$180.00}, through Zelle. The Zelle account is XXXX. The scammer kept alleging they didnt receive the money, yet it was already taken out of my account so I told them I wasnt sending anymore. After I realized I wasnt getting the tickets I paid for, I told them to refund me my money. They ended up blocking me and putting the scam back up on XXXX after I looked from a different account. They ended up getting suspended on XXXX and the next day, I reached out to my bank, XXXX  XXXX XXXX, to see what I could do to get my funds back. By the end of last week, they resolved it saying they reached out to XXXX to get the funds back and they refused to cooperate. Therefore, I am filing a complaint against Zelle, XXXX, and XXXX XXXX XXXX for the {$180.00} dollars I sent to the scammer through Zelle.
Product: Credit card or prepaid card

The paragraph below in quotes, taken from your response to our complaint is not fully accurate and if you look farther back on the account your representative should have made a note of the call in which they called our credit union.One of your customer service representatives did call our bank while we waited to be conferenced in, but she returned to the line and told us that our credit union does n't validate accounts over the phone. So, when we were asked again to do this on    XXXX   XXXX   XXXX      we provided the information that was provided to us previously by your customer service rep.     PARAGRAPH FROM YOUR RESPONSE " You mentioned in your complaint that you would like an alternative solution because you are unable to provide the previously requested documentation. On    XXXX   XXXX   XXXX     , during a phone conversation, we offered to do a conference call with the bank to verify ownership of the bank account used for payments. At this time, you declined our offer by advising your bank will not verify information over the phone. '' It has also already been explained to you that the following items are not something we can provide and if you reference previous letters from us, it explains why. So, you are still not providing a solution that is anything that we can provide, because we are n't given those things to provide! If you do n't believe it, then call the credit union and ask them!!!     Items you are requiring to validate account.   A bank statement, voided check or deposit slip from  XXXX   XXXX   XXXX   XXXX  that includes the full account number and name
Product: Credit reporting or other personal consumer reports

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Vehicle loan or lease

I tried to make a deal with the company HONDA FINANCIAL SERVICE I offered to catch up and continue paying the normal monthly payment and they told me that the vehicle had to pay it in full or deliver it, I decide to the situation that we are all going through, it was difficult for me to catch up
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX  Should there be any updates on my inquiries, Im gon na go to court.
Product: Credit card or prepaid card

On XX/XX/2020, I filed a complaint with CFPB against Synchrony bank for frauduently charging fees and my ~ {$750.00} balance on the card remained the same after 2+years. After filing complaint with CFPB, Synchrony bank adjusted the account and I paid off the remaing balance in XX/XX/2020 while the account was already closed. 

Well, Synchrony Bank will continue to commit FRAUD unless an enforcement agency penalize them. 

My account was paid in XXXX/XXXX XXXX off right after they adjusted the amount BUT, on XXXX, I received an email stating my statement balance {$39.00} and Minimum payment of {$39.00} due by XX/XX/2020. And then, On XXXX, I received another email stating that I missed a payment and asked to {$40.00}. 

HOW COULD I MISS A PAYMENT ON XXXX WHEN DUE DATE IS XX/XX/2020?
Product: Mortgage

I hired a mortgage company in XXXX MD called Apex Mortgage to help me close on a home for me and my family. The vice president of the company XXXX XXXXXXXX told me I needed to show XXXXXXXX XXXX in Escrow to obtain the house and he had me send him the money. Needless to say, I never closed on my home and he still hasnt sent me my money. This has been going on for over 3 months now. He committed fraud after he built trusted with me! He told me he was a realtor as well as a attorney and he will hold on to my money until closing.