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

XXXX, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this account listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Debt collection

I keep getting charged different amounts for the same visit and its frustration and honestly induritating. As I am being charged by XXXX XXXX twice and then from the actual XXXX XXXX? I am not going to keep paying amouts for the same thing. Why am I being charged various amounts from every direction at different times. I paid {$56.00} for ( PIN : XXXX ) for XX/XX/2021. Now I am being charged another {$180.00} for the same date XX/XX/2021???? ( PIN : XXXX ). On top of that another {$110.00} from XXXX. WHY IS XXXX AND XXXX XXXX CHARGING ME DIFFERENT AMOUNTS CONSTITANTLY FOR THE SAME DATE!!!???
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX  for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX, has violated my rights. 

15 USC 1681 section 602 a state I have the right to privacy.

15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX
Product: Credit reporting

There is some personal information not accurate ; I 've never lived outside the state of XXXX, and I have noticed there is an address from the state of XXXX how can I have this removed from my credit report?
Product: Debt collection

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

Therefore, these below disputed accounts must be deleted. 

CREDITOR : XXXX XXXXCCOUNT # XXXX CREDITOR : SYNCB/CARECR ACCOUNT # XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Product: Mortgage

I have my mortgage payments paid automatically through my checking account. In XX/XX/XXXX, TD changed the monthly payment amount, and when my payment was made in XXXX, the automatic payment was off by XXXX dollars from their increase. When I received a call from TD about this, I made the adjustment, I was charged XXXX fees for the XXXX dollars variance that was clearly an accident. I was told be the agent over the phone that it would be refunded, that I had a very healthy account and there are never issues. In fact, I regularly overpay the mortgage rather than underpay. We also discussed having TD do the automatic withdrawal rather than me setting up the auto-pay. 
When I followed up with the branch having not see the late fee drop, I was told the request was denied because I had a late fee refunded for a very similar issue back in XXXX. I do not remember this happening then, but if TD says it happened, it happened. I won't argue with that, however if the delta was XXXX, which mean I paid 99 % of the balance, and I am fined XXXX on something accidental, this is quite absurd and lack common sense.
Product: Checking or savings account

I am having an issue with the company XXXX. They provide many products related to XXXX XXXX XXXXXXXX, is the middleman between myself and the company XXXX which provides the product to me. XXXX over the last few months have been overcharging me recklessly. 
The first incident occurred XXXX XXXX. I received a notification from Navy FCU stating my checking account was overdrawn by nearly - {$4300.00}. I had at the time no idea who the company was that was charging me. 
I notified the bank in person XXXX XXXX and there wasn't much the rep could do to help me except input a dispute into the computer system. I asked what could I do in the mean time and I was advised I could try to reach out to the company. Because of charges made prior to XXXX XXXX and the merchant name being the same I reached out to the vendor XXXX and asked if they knew of the company XXXX. They told me that would be XXXX. I asked why did my statement have XXXX and not XXXXXXXX XXXX  could not answer that for me and I tried to reach out to XXXX but no one answered the phone that is listed on their website for refunds. I never did authorize XXXX to take payments from me. Neither did I give consent of anykind to XXXX to share any of my banking info with any other company. I've had no resolve to this issue when trying to get my bank account with Navy FCU in good standing. I was denied twice in my efforts to have this resolved by Navy FCU stating that the transactions match my spending pattern according to their fraud system. I believe if Navy FCU took the time to assess my situation and the statements they would be able to see something is clearly questionable about these transactions that they paid for and are holding me responsible to pay back when this was not my doing neither did I have any part in acquiring these charges. This company XXXX I feel is robbing me of my money by trying to collect money from me for charges and transactions already completed between XXXX and myself.
Product: Credit card or prepaid card

Synchrony bank closed my Amazon store card on XXXX per " management '' because of two failed payments. I was able to locate one payment that failed ( bank error ) but not the first one. When I requested this information over the phone the representative told me " It's not our problem, your account is closed. '' and immediately hung up on me after I waited 40 minutes on hold. I have made consistent, on-time, payments to Synchrony. Sometimes real life happens and mistakes happen. But according to Synchrony, that's unacceptable. Now as a result I am going to take a credit hit due to the " Closed by grantor ''. Thank you Synchrony. If my credit file is negatively impacted, I will be closing all of my accounts with this fraudulent bank. I also received NO warning that my account was being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

its paid but its not being removed from credit report
Product: Debt collection

Company has illegally obtained my information. Debt hasnt been verified. Debt collection tactics of multiple phone calls and emails have been used despite my request of cease and desist
Product: Credit reporting

XXXX Creditor Contact Details XXXX, PA XXXX XXXX I have no idea who they are or what they do. They keep putting hard inquires on my credit report every number that I have tried to call is disconnected. Please remove them from all of my credit reports. 
XXXX, OK XXXX XXXX
Product: Credit card

i was charged by a plumber for a job he did not complete. it was a bait and switch scam. bank of american denied my claim against the charge because i did n't have another plumber do a inspection of the previous plumbers work. so i got stuck repairing the plumbing myself and the fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. The companies have not responded and the credit bureaus are continuing to report them on my report. I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these company. 
XXXX XXXX
Product: Checking or savings account

Received an email that thanked me for opening an account with TD bank. ( I had never heard of TD Bank ) I was directed to the fraud dept and was on hold for over one hour but no one answered the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

So I get a promotional offer from USAA to use a convenience check, 0 % interest through XX/XX/XXXX with a {$75.00} or 3 % fee whichever is less I GET A NEW ROOF AND PUT {$9100.00} ON IT I have been a USAA member for 35+ years and never had a problem like this My XX/XX/XXXX showed a {$2.00} interest charge on $ I called on XX/XX/XXXX XXXX and talked with XXXX XXXX and asked how since I always pay off my new purchase balances monthly how did I get charged interest since my {$9100.00} does not start applying interest unless it Is not payed off in full by XX/XX/XXXX? 
She put me on hold, reviewed the offer and my account and came back after a few minutes. She agreed, removed the interest and said she would put in a trouble ticket to get this corrected so it would not show up again. 
My XX/XX/XXXX statement once again show an interest charge of {$4.00}. 
I called on XX/XX/XXXX XXXX XXXX XXXX XXXX? and eventually request to talk to her boss and get transferred to XXXX a Senior resolution specialist and after a 35 minute conversation she says the interest is correct even though I explained what was done last month and she cant expalin clearly why I am getting charged interest on a no interest offer. 
I ask her to put her boss on the line. We go through all the above and says the interest is on the entire account balance for how many days during that billing cycle, your grace period no longer applies. In short she says if you buying nothing else each month, your interest will be 0 % as the only balance is the {$9100.00}. 
The offer did not clarify interest is charged on new purchases, very deceiving and unlike other cards that would not charge any interest!
Product: Checking or savings account

I informed Truist bank that in late XX/XX/2023, My debit cards was left at the XXXX XXXX while I was flying out of the state to XXXX, XXXX. I was out of town for a week with my book bag being left at the airport. My bag included my social security card, my pin card, computer, and phone. I believed originally that my bag was left at the airport, but when I returned a week later to the lost and found, I found numerous charges on my personal and business debit cards. I contacted Truist multiple times to dispute the issue and open claims. I contacted Truist, but Truist has continued to decline my claims without any evidence or further resolution of my dispute even though these charges were done fraudulently. While my personal card and business cards were both stolen and used at the same time in the same manner, Truist approved and properly addressed my personal debit card claim, but refused my business claim. Again, all these transactions on the personal and business claim occurred at the same time. They had duplicate transactions on both accounts, and were done the same day at the same locations. This makes no sense whatsoever that one claim would be approved and the other denied. 

Business Name : XXXX XXXX  Truist businesss -claim # XXXX Business Checking account Number : XXXX Personal Name : XXXX XXXX Personal - Claim XXXX Personal Checking account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX - XXXX XXXX XX/XX/2021 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Equifax and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), Jefferson XXXX XXXX XXXXXXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.
Product: Payday loan, title loan, or personal loan

I applied and was approved for loan options with one main financial, upon completing what they say was required by uploading all documents asked for, I received a call by Branch Manager XXXX XXXX who asked for collateral info for my vehicle, upon the info, he said he would deny me based on the age and mileage of my car. This is indeed discrimination and adverse action. 

RE : Adverse Action I, XXXX XXXX, the consumer and natural person, was denied credit by ONE MAIN FINANCIAL when I applied for a personal loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by ONE MAIN FINANCIAL due to the response I received.

ONE MAIN FINANCIAL is in violation of 15 U.S.C 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ONE MAIN FINANCIAL.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts and inquiries on my credit report that was opened fraudulently. Please help me get this removed and fixed Unauthorized accounts XXXX XXXX XXXX XXXX {$3400.00} ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$19000.00} ( XXXX XXXX XXXX XXXX XXXX {$22000.00} ( XX/XX/XXXX ) DEPT OF ED {$4700.00} ( XX/XX/XXXX ) Unauthorized Inquiries XXXXXXXX XXXX  ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received a letter from the Florida department of financial consumer services notifying me of the liquidation of my current home insurance provider, XXXX  XXXX XXXX XXXX   Two weeks prioir I submitted the renewal check to XXXX XXXX XXXX XXXX   approximately on XX/XX/2019 and they cashed my check. Legally and in good faith the insurance company should have never cashed my checked and should have resubmitted back to me by mail but they did not, instead they cashed the checked knowingly that they weer being shut down by the state. I tried for weeks to get a hold of someone in the insurance agency but had no luck, just a voice mail box to leave your information and call back number and they will call you back. I then called my bank, Bank of America to file a fraud claim, after the entire 90 day investigative period they sent me an email notating that hey denied my claim citing " our investigation of the claim determined that you authorized the transaction ''. WELL Of course i authorized the transaction they were my home insurance providers   for the previous 2 year. Bottom line is that I would have thought that bank of america would definitely help me on this and they did not, I loss a total of {$380.00} as part of the first quarterly down payment, thank god I did not pay it in full like some people do. Beware, I would go elsewhere than banking with bank of america, the supervisors name was XXXX XXXX from the fraud claims department. Horrible experience, I will be leaving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I do believe that all three companies do not make it easily accessible to obtain the free credit report, however, Transunion just makes it so that you have to buy their {$24.00} monthly monitoring in order to see your information. I tried multiple phone numbers and a handful of people ( all of them with conflicting information and it was very difficult to understand them clearly what they were asking me to do ). 

The XXXX  site when getting to the Transunion report just fails to authenticate ( does not ask the questions related to my credit history ). The other two sites do ask you to identify yourself. Transunion asks for e-mail and phone and then fails to authenticate. I also went to their XXXX for which I had a free account created years back. It allows me to log in and then I fail to authenticate for no reason. The only way to get my information online is with a credit card and {$24.00} monthly charge. 

The representatives have asked to e-mail to XXXX a copy of my driver 's license and/or passport as well as multiple documents such as credit card statements, etc. to what appears will not be a very secure address. This whole process is questionable and Transunion is not abiding by the regulations to allow me access to the credit information they hold for me.
Product: Mortgage

Fifth Third Bank purchased my mortgage from XXXX Mortgage on XX/XX/XXXX. 
I made my first payment on XX/XX/XXXX for my XXXX payment and set up auto-pay with my bank. 
Escrow changes changed the payment in XXXX resulting in a short pay on my part. I paid the difference and assumed everything was fine. Without my knowing, Fifth Third applied both the short pay of {$1300.00} and the difference payment of {$68.00} to my principle instead of my payment. I continued to think I was paying three weeks early and Fifth Third showed my always paying on the XXXX of the month the payment was due. This was not a late payment on their part so they never mentioned it. Fast Forward to the escrow change in XXXX. I adjusted what I thought was the correct payment but I was off by one month due to the issue in XXXX. This is when I discovered what happened. I asked for a review and correction. After a week, that request was denied. I paid the difference over the phone which brought my account back up to date. Then they sent my original short pay back to me. I called to explain but they told me I overpaid and that is why they sent it back. I knew this was wrong. I deposited the money in savings until we got it worked out. The following week my credit score took a hit from Fifth Third Bank reporting me late. I called back and was advised of the numbers to call to protest. 
The following week I got a note from my bank that Fifth Third had stopped payment on the check. I had to pay an additional {$5.00} fee. 
So another call to Fifth Third resulted in the following : XXXX. They will not correct the credit score issue. That is my fault XXXX. They will not send me {$5.00} to off-set the fee from my bank for the stopped payment. 
They advised I should have known not to deposit the check they sent to me. The letter advising they were sending it back is auto generated. The Agent I spoke to when I made the extra payment advised she would try, she never said if you get a check tear it up. 
And when I called about receiving it they never said they were stopping payment. 
I have had mortgages since XXXX. I have never dealt with such a poor run company that takes such terrible care of their Customers.