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

I sent a report from the FTC along with local police report #, sign affidavit that the XXXX account was a fraudulent account. The reporting Co. Removed the fraudulent account from my report. But now it has shown back up and they refuse to delete it. I read the law as follows ( If a consumer submits to a credit reporting agency a copy of a valid police report, or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status, filed pursuant to Section 530.5 of the Penal Code, the consumer credit reporting agency shall promptly and permanently block reporting any information that the consumer alleges appears on his or her credit report as a result of a violation of Section 530.5 of the Penal Code so that the information can not be reported. The consumer credit reporting agency shall promptly notify the furnisher of the information that the information has been so blocked ) So how is it that it shows back up on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. XXXX would not give me an option to dispute the inquiries but I did lock my credit report. With Trans Union also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent Equifax credit report. I noticed some credit inquires that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XX/XX/22 XXXX  XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit card or prepaid card

I disputed a charge to my PayPal credit account about one month ago, submitted supporting documents proving that I did not received merchandize the charge was taken for. PayPal has not responded to my dispute, nor they did any provisional credit to my account. That's a long time! Inadequate service. I need a refund immediately.
Product: Debt collection

This is not my debt but I paid anyway and Midland Funding won't remove it from my credit
Product: Credit card

I am dissatisfied with American Express. My issue is that XXXX XXXX delivered to me a defective sectional sofa. Also, after countless attempts to resolve the issue with them, I tried working with American Express to be my advocate, as I am a long standing customer of theirs. I have had XXXX billing disputes with American Express and they have not resolved this issue for me. Please note that American Express does not seem to want to fight for me as their customer. They do not read all of the documents that I have submitted to them explaining my issue. Please see the full details in the attached " CFPB Letter XX/XX/2016 '' Word document that I uploaded in the " Step 4. Product Information '' step.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, and XX/XX/year> ) I'd like to ask you to investigate this account and update these payments to be paid on time immediately. Thank you for understanding and taking the time to take action.
Product: Consumer Loan

Unauthorized party is showing a charged auto loan account which I never agreed to in principal, theory, or endorsement. I request this item to be removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

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 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 inquires not authorized XXXX XXXX XXXX, XXXX XXXX not my names incorrect
Product: Vehicle loan or lease

In XX/XX/2021 I walked into XXXX dealership in XXXX Fl. I was informed that my lease was being held up due to the previous loan company not giving them a payoff figure. This loan was held up due to the dealership delaying this process. The general manger was very unprofessional with my contract. this company withheld this account from processing without my knowledge this was the hardship from the dealership to their finance company. 
XXXX XXXX and XXXX XXXX have reported this account as delinquent with additional late fees and insufficient fees and posting my payments later than. 

I have been back and forth with them and they took ownership of the first payment of and corrected only the first payment. This account shows up delinquent on my report monthly I have been hung up on from the finance company and they original manager Who stated they were in the wrong and they will fix it has been transferred to another dealership in Alabama. The General manager has just been rude and unprofessional sending tow truck company 's to sit out side of my home to intimidate and him calling from a company cell phone. 

My bill has been paid every month their is no grace period on the account I have exhausted all areas of communicating this continuous problem. its abusive due to their error the account is posted every month delinquent the additional fee 's are being intentionally posted to issue me as a bad payer. 
Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on Interstate 94. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by XXXX XXXX XXXX XXXX, a complaint was made to Attorney General 's office. Again, XXXX XXXX requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and TransUnion with no resolution on XX/XX/XXXX. On XX/XX/XXXX, TransUnion replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.
Product: Credit reporting or other personal consumer reports

Equifax investigated XXXX XXXX XXXXon my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/year> I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/year> now the information has been back on my report again for the third time as of XX/XX/year> and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was scammed by a person posing as XXXX customer service. The person told me that my money was being taken by a person using bitcoin and XXXX. I was dumb to all the language and did not have a clue but i knew someone was taking my money through XXXX  online account and i thought i was reversing a transaction to get my money back. I put $ XXXX in the machine and was mislead. See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a a letter to each credit bureau, XXXX, XXXX, and TransUnion on XX/XX/2023 to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 days..
Product: Mortgage

The Company is : Lakeview Loan Servicing , LLC or XXXX Attn : Consumer Solutions Department XXXX. XXXX XXXX XXXX XXXX, VA XXXX I closed on my home XX/XX/XXXX. 
In my closing papers my new forwarding address was listed as XXXX XXXX XXXX XXXX GA XXXX. 
On XX/XX/XXXX- XXXX XXXX XXXX ( XXXX ) paid XXXX {$1600.00}. This was alarming considering I already closed on my home, so I called to find out what was going on. 
- XXXX confirmed they recieved payment from XXXX and issued me a refund check for {$1600.00}. 
- The XXXX XXXX XXXX Stopped the check to XXXX  ( apparently the realized they paid them by mistake and sent my refund check to XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX ( or so they say ) Well that is not my address anymore, i clearly sold that house, so i cant figure out why they did this. 
- Since that is not my address i started calling XXXX XXXX XXXX and trying to MY ESCROW money sent to me ... 
- I have called SEVERAL times and always get put on hold and wait for 25 minutes before they disconnect me. 
- I believe this company is trying to steal my money and put me on a block list so i cant speak to management. 
- I am now trying any avenue possible for them to send me MY MONEY to the CORRECT address, this entire mix up is all their fault and they need to be held accountable for holding MY money for so long without permission. 


Please remove my address before publishing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including Regional Finance. 

3. At approximately, XXXX XXXX, I received a call from the Regional Finance branch in XXXX, Georgia, phone number ( XXXX ) XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from RFC XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I refinanced my home back in XXXX, 2019. Paid my mortgage fatefully on time up to now, all of sudden, I owed an extra & XXXX in escrow. either I pay the whole amount, or my mortgage will go up almost {$200.00} more of what I'll been paying. How can they just do something like that at will whenever they wants to and what can I do about it? ... ... By the way, it's Flagstar Bank.
Product: Checking or savings account

I opened a new checking account on XX/XX/2020. According to the offer code XXXX I was meant to receive a {$100.00} bonus if I receive two qualifying direct deposits within 90 days of opening the account. On XX/XX/2020 and XX/XX/2020 I received XXXX direct deposits, and up-to-date I still didn't receive the {$100.00} bonus. On XX/XX/2020 and on XX/XX/2020 I inquired why I didn't receive it, but I am still waiting. 
In the attached letter they refer to the 'Personal Schedule of Fees ' for further exlanation of eligible regular monthly income. I am also attaching a copy of the schedule which explains on page 17, that any payer that uses your account number to deposit regular monthly income is a qualifying direct deposit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX
Product: Credit card or prepaid card

Please review complaint no. XXXX again. American Express is misleading you by saying its a duplicate. In the first XXXX reply they said I should pursue XXXX XXXX for a refund. I contacted XXXX and they said the error was caused by XXXX and not XXXX and that the refund must come from XXXX. 

Pls ask XXXX to refund {$990.00} to my credit card account. Their letter to me saying they will stop responding to this complaint makes no sense as I followed up with the airline as they instructed.
Product: Debt collection

Midland Credit Management has violated my Consumer Rights and Privacy Right under the FDCRA. I have attempted to resolve this matter with them several times and they refuse to respond to the affidavits and the cease and desist letters. I will attached copies of the cease and desist letter with invoice and attach the complaints I have filed with the Attorney General and the XXXX
Product: Mortgage

We asked for a Modication back on XXXX.this company will not help XXXXS.I am XXXX years old on a wheelchair my husband is XXXX years old.we were told that we could appy for a Modication after my husband had compleded his XXXX bankrutdy.That was compleded on XXXX XXXX.our payments have been paid.Some how there was a balance after the XXXX was compleded.We were working Hud and a lawyer to XXXX to get a Modication.Now XXXX  i treating to foreclose on our home
Product: Bank account or service

I opted out of debit card overdraft protection with Bank of the West because I thought that it meant that any payment from my debit card would be declined if I did n't have enough funds. According to their website, overdraft protection covers automatic payments and recurring debit card transactions. I forgot about an automatic debit payment that the bank allowed to go through, totally my fault for forgetting, but I became overdrawn by {$7.00} so they charged me a {$35.00} fee. When I called to find out why and to have them explain it to me, one person told me it was at the bank 's discretion to allow things to go through and then she hung up on me so I called back and another person told me that it did n't apply to automatic debit card transactions but from what I understand it does.
Product: Mortgage

Wells Fargo? Last year XXXX in XXXX I was notified by an Investigation Company in XXXX Texas. 
They had made several investigations on Housing Costs Tax for Senior Citizens. They discovered {$700.00} City Property Tax that was Not Paid, but ; the {$700.00} was taken out of my Bank Escrow account? This led to Hearing in XXXX Texas Court of which I attended. 
The XXXX Court final decision was that it be replaced to my account y Wells Fargo!! Today ; XX/XX/XXXX it has never been returned to my Wells Fargo Account. 

This is Third house I have financed with Wells Fargo? Additionally ; I have discovered Thousands of USD missing from my account? 


I pay my House Payment at Bank the first week of each month. It is an 30 Year FHA Loan, Contract Wells Fargo has always been Honest?? I thought? Until XX/XX/XXXX when this all started as an investigation by a certified Company. 

XXXX and XX/XX/XXXX : Wells Fargo has Demanded an additional {$440.00} USD in the Bank when I Paid My Contract Amount. This represents 50 % increase of Fraud. In the past week I received another Threat : They did not Credit My Payment Cash at Bank, but notified me, They stated they would hold it until I Paid The Full Amount of which is {$830.00} Total including Escrow Amounts Due Per Month, but ; I have made several requests for a copy of My Escrow Payments and Monthly Amounts> In 18 Months I have Received NOTHING???? 

I am XXXX XXXX XXXX Retired XXXX. 

The ONLY Decision of this Fraud, Theft, Threats, DTPA, and Attempt to Steal My Property because I have {$80000.00} Cash Equity. Additionally there is approximately $ 8-10,000 Cash missing from my account that I am closing dues to ALL THIS CRIMINAL ACTIVITY?? 

I am XXXX yoa and ; can not afford for these Criminals to steal my property savings? 

I hope you can help me? 

Thank You XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert on my consumer report that Bridgecrest has increased my balance by {$100.00} when I have made on time payments to them. If they alleged that they received any late payments it was due to an EFT error, or some type of delay which was not due to me. I am convinced that this was some type of malice directly to me as I almost done with payment. I explained to them that this error occurred XX/XX/2018, and they still created an adverse affect on my consumer report, which indicates that I was 30 day late, which I was not. I am currently up to date with my payments. Bridgecrest is violating my FDCPA rights by not reporting accurate data, and relying on a faulty system which is not accurate. I am demanding that Bridgecrest remove this increase on both my consumer report and the co-buyer 's consumer report and remove the 30-day late payment that they furnished on XX/XX/2018, as they have caused my consumer report to not be fair nor equitable to me as a consumer.
Product: Debt collection

I had a XXXX card that has not had any activity before XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.
Product: Credit card or prepaid card

I made my {$40.00} credit card payment on the second of this month. I have evidence to show it came out of my bank account. I get a email saying my card is behind on payment today and my new balance is up from {$260.00} to {$400.00} just because of late fees and service fees. This is twice they have hit my with late fees when I always pay my bill on time. I have screenshot proof that this was an error and they are unwilling to change their mistake. It's the Milestone credit card. I did close the card account but I still want to just pay my bill and be done!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late with a payment and I have a bunch of late payments I need removed I also gave 19 inquiries and I dont remember the last time I applied for credit
Product: Bank account or service

I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.
Product: Credit card or prepaid card

Apple Card app makes it very difficult to make payment form different accounts. After successfully adding an account and paying off my card, the card now says restricted, and no further information is given. Apple savings also says restricted with no information.