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

Experian has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and XXXX months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX XXXX months in which the loan was not finance on XXXX or XXXX months it was XXXX Months There was no XXXX written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of XXXX XXXX  showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency XXXX days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out XXXX as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
Product: Credit reporting

This debt has not been accurately verified. There is no contract with my signature per request.
Product: Checking or savings account

Bread XXXX XXXX, aka Comenity Bank refused to open a XXXX of XXXX for me. They refuse at all levels to provide a reason for denying my account request. I have wasted XXXX hours calling and messaging everyone from my Senator, The FDIC, the Office of the Comptroller of the Currency and I have been stonewalled or gaslighted at every turn. 
I wanted to open a CD for {$25000.00} and was told by a contractor for Bread XXXX  they they refuse to honor my request and every person in the company refuses to tell me why I am denied my right to banking services they provide and they are regulated by the FDIC who told me that they have no jurisdiction to provide any help to consumers in these matters. 
I contacted Bread XXXX on XX/XX/2022 in response to an advertisement for a high rate CD. They gave me a hard time so I called Comenity Bank who I have had a credit card acccount with for more than 10 years. They blew me off and rfused to help find out why I would be rejected so I contacted all Federal agencies involved in bank supervision. They gave me the eternal runaround and cut off my calls and closed my complaints arbitrarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a travel trailer through a dealership and the financing was done with Huntington Bank. We did not receive a payment statement or book. We have not received a single paper statement from Huntington Bank because they originally had the address incorrect by one number. They sent an email to my spouse that wasn't seen in his spam folder. We received a phone call when the account was 30 days delinquent and called to settle the account. We made a payment and fixed the address. We still haven't received a statement. We called a second time to make a payment over the phone. The account is in good standing and have made two attempts to set up auto payments. We are waiting for it to process. The company submitted a negative submission to the credit bureaus for the 30 day late payment on our very first payment ( which we never received a statement or booklet. ) This dropped our credit score and now are unable to purchase a home. I have spoken to four different people at Huntington Bank and they state, " We called, so there is nothing we can do for you. You should take this up with the credit bureaus, good luck. '' I understand we should be checking the spam folder for their notice, but it is bad business to have the incorrect address, never send a statement, and then ruin someone's credit for a first payment being missed. We asked if their was anything we could do and even offered to pay the balance in full to clear this up, but they were unwilling to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found this loan installment on my credit report that I do not recognize of the amount of {$3400.00} from a company called Acima I contacted the company and they could not recognize me and just told me that they going to go through investegation
Product: Credit card or prepaid card

The issue is causing me XXXX XXXX XXXX XXXX to the point where I'm having trouble sleeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency MidLand Funding LLC has a collections on my credit report. The collection was from XXXX XXXX which I have tried to explain that the charges on that card wasn't from me and that my account was hacked, then they sent it to collections after I refused to pay. 


The second one is Midland Credit Management and have no idea about the XXXX  thats on the collections report. 

The third one is XXXX XXXX and they have a XXXX XXXX card that I have a card that I didn't pay off. This isn't true as I have a XXXX XXXX card that has a 100 % on time payment history and I only ever applied for one XXXX XXXX card not 2.
Product: Checking or savings account

Last year, I initially filed disputes with Chime Bank. Claim # XXXX They were denied after supplying documentation of my identity theft. This year I had gone to file another dispute on an error of my own, and the supervisor that was taking my dispute advised me when I told her about the disputes from last year that I needed to resubmit them and send a rebuttal which I did. I submitted documentation showing that the transactions on XXXX XXXX could not have been done by me due to the fact that I have a XXXX XXXXXXXX against my XXXX XXXX accounts, and I can not use them nor have I been able to for the last two years. I provided proof of the XXXX XXXX and numerous emails from XXXX XXXX confirming that there is a lien on my accounts and that I can not use them. This claim was denied so I was advised to continue to appeal it until it was approved because I had more proof than God they should be honored. I have appealed it six times now. This last time I was eligible for provisional credits on XX/XX/XXXX and when XX/XX/XXXX came and they were not put into my account, I contacted Chime Bank and I told them that I was supposed to have them that day. I even sent emails from Chime Bank investigative team. And they confirmed that they would be sent and issued on XX/XX/XXXX Which they were not. After contacting them all day on the third, I was told to email them to ask them where my credits were and that I was entitled to them just to receive a letter via email from them on the XX/XX/XXXX stating that my dispute has been denied yet again. They violated Reg E by not placing the provisional credits in my acct on the 10th business day and stated in their communication with me. Instead they strung me along the whole tenth business day, supervisors stating to me on the phone that my provisional credits were overdue and that they would escalate it to have the credits put back asap., they never emailed me on the 10th business day other than those emails and then on the 11th business day emailed me to tell me again they found no error on my account for the sixth time despite the numerous documents. They by law should have issued the temporary credits to my account in XX/XX/XXXX and they violated a federal guideline by not doing so. Or updating me on my claim other than telling me initially that I would get credits that day. I will continue filing dispute against this company and filing complaints until I get my money back because this is ridiculous. I would also like to add that I am and have been mentally XXXX and collecting SSDI since XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX To Whom It May Concern : I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate.

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/XXXX Please remove any other dates or years you have listed. 

Please REMOVE ALL EMPLOYERS that you have listed as they are inaccurate. 

Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX Enclosed : Photo ID, Proof of XXXX, Proof of Address
Product: Credit card or prepaid card

I am stunt by tjx credit card arrogance lieing I am trying to pay off this card and close this accounts because they are XXXX OFF and I told them many times that there are charges that its not mine they are from XXXX XXXX not only they didnt do anything they just keep repeatedly sending statement and bunchs credits for XXXX cents and XXXX cents And they made a business of charging 2 late fee for {$35.00} and interests for {$20.00} I am very disgusted that my son sacrificeing his life for garbage like u
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Mortgage

I HAVING TROUBLE TO PAY THE PERSONAL LINE OF CREDIT IT STARTED IN XX/XX/22 TO THE PRESENT AND TOTAL IS XXXX AND THE PERSONAL LINE OF CREDIT THAT I BORROW IS {$100000.00} AND I AM STRUGGLE TO PAY IT OFF
Product: Credit card or prepaid card

In XXXX 2019 I purchase a vacation package from XXXX XXXX on line. I choose my vacation dates and I was sent a email stating the resort promised was sold out for the entire year. I called them the next day to canx but they said to wait for a couple of months and things would open up and to be patient. In XXXX I tried again and they said that I did not qualify for this vacation but I could be upgraded to their gold package. Again I tried to canx but they said I could not. I contacted Bank Of America on several occasions and they sent me jumping through many, many hoops and then stating they never heard from me only once. I am so worn out from this fraud purchase for {$99.00}! 
I contacted the XXXX and the company stated it was a accounting error and the check would be sent out right away. Of course it was not. The XXXX reopened the case and again they said they would refund but nothing. Bank Of America has been awful and lacking in customer service skills, they refuse to help! This fraud company keeps collecting money and never refunds and is getting away with it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this notice regarding a 30-day late payment that Chase Bank is reporting on my XXXX XXXX  and XXXX  credit report for the month ofXX/XX/XXXXXX/XX/XXXX. This is truly sad that I must use the services of CFPB to assist me with with an issue that I am having with Chase Bank, however after speaking with them numerous times, and written them they are not truly understanding the real story of my dispute. OnXX/XX/XXXXXX/XX/XXXX my mother lost her house due to the California Wildfires that occurred throughout the months of XX/XX/XXXX throughXX/XX/XXXX throughout the entire State of California.

I live 50 miles XXXX of the City of XXXX XXXX and had to drop everything I was doing to comfort my mother as she witnessed her house that she lived in for the past 37 years burn to the ground. I have no siblings and lost my father at the age of XXXX.

If you could only imagine dropping all your responsibilities to be with your loved ones in the time of absolute need and forgetting about everything as reality stares you in the face.

At the time of consoling my mother I did not think for a moment about my finances, employment, my wellbeing. The only thing that was important was my mother, her health and all her lost possessions completely destroyed in the fire. I stayed in the XXXX XXXX XXXX XXXX for a week forecasting the future for my mother, her displacement, medical needs and everything else an XXXX year old XXXX mother must due on day to day basis.

When I had learned about the 30 day late payment that Chase was reporting to the credit bureaus I panicked and immediately phoned and wrote them the attached letter which to this day they still have not responded to. The representative I spoke with could care less about my personal situation, my mother or even the wildfires that distroyed hundreds of homes. The representative went on to tell me Chase Bank is following the law and if I had automatic monthly payment set up this would not have happened.

I have worked extremely hard to maintain an excellent FICO credit score, I work hard and take care of all my responsibilities and live a normal life. I am shocked and appalled that Chase Bank is taking this position to report the 30-day late payment which is now costing my several thousands of dollars in interest as I attempt to purchase my first home and the lender will not give me the interest rate that was agreed to prior to the 30-day late payment being reported.

I am happy to say my mother survived the fires, however she is scarred for life of all the wonderful memories she had living in her house. She is now residing in an XXXX XXXX XXXX and will remain there as there is no need for her to rebuild.
Product: Debt collection

Today XXXX/XXXX/2018 at XXXX i was contacted by an individual who was asking for me. When questioned as to who they were and the company they represented, I was left with no answer, just asking if i was the person they were looking for. I stated that they are not to call back because I do not owe anyone any money. The individual said " thats ok we will just call back another time '' and hung up. 
When I attempted to call the number back on the caller ID " Portfolio Recovery '' the system message was that the number I had dialed was no longer in service. 

I have noted at least 2 major violations of the FDCPA just in that one phone call.
Product: Mortgage

On XX/XX/XXXX I went on to my pennymac acc to make my payment and noticed that my payment for XX/XX/XXXX was {$500.00} more than the monthly payment I have made all year I called pennymac and asked them why and they told me that they had to pay more on my escrow and that they are going to charge me {$500.00} more for the rest of the year I CAN NOT AFFORD MY PAYMENT FOR XX/XX/XXXX AND WOULD NOT HAVE GOTTEN THE HOUSE IF I KNEW THAT MY PAYMENT WAS GOING TO JUMP {$500.00} THE NEXT YR THIS IS NOT MY PROBLEM AND IT NEEDS TO BE FIXED NOW!!! 
SOMONE SOME WHERE MESSED UP AND DID NOT TELL ME I WORRIED THAT IM GOING TO LOSE MY HOUSE THERE HAS TO BE SOME WAY THIS CAN BE FIXED!! 

AND THEY DID NOT SEND ME ANY NOTIFICATION THAT THIS WAS GOING TO HAPPEN!!
Product: Debt collection

Received letter from Penn Credit on XX/XX/XXXX about a delinquent XXXX bill originating in XXXX XXXX, FL. It is impossible for me to have been charged for this service as I was going to school full time in XXXX XXXX, FL on the date in question ( XX/XX/XXXX ). Also, I have never received any mail prior to this point regarding any debt concerning an XXXX bill. I will be contacting Penn Credit tomorrow to request documentation on the debt. 

On a minor note, I find it questionable that the hours listed on the bill I was sent do not match the hours listed for the company online.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. a list of the hard inquiries in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 601 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC section 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Yes on XX/XX/XXXX and XXXX mo ey was taking out my credit karma account from XXXX which I never authorized got refunded back but on XX/XX/XXXX credit karma lock my account to where I can't withdraw fund or anything just get direct deposit I been waiting patiently for them to unlock it to access my fund but nothing yet and I need to pay bills
Product: Checking or savings account

On XX/XX/2022, Bank of America took out the funds in my account again - {$330.00}, my savings card has been locked and can't be used, call customer service, check the information, and tell me that it can be used, but it doesn't work, repeated this many times, on XX/XX/2022 I received a new card, the card number has not changed, I am very angry, again, I changed the card I was using without permission, and deliberately delayed the time, The reason for the transfer given by the bank is different for each statement. If you can't reply, you can find a reason to end the conversation. It is all the same. It is said that I have overdrafted arrears in another checking account in the past. Can the checking account support overdraft? If it can, then there is no deposit check, there will be a bounced ticket. Also, do you want to notify me of the debit, instead of hiding it? Also, the deduction is twice concealing the replacement of my card, why is this? The customer service staff said that the bank has the right to operate the replacement for the customer without telling the user. I have recorded the multiple calls. If there is no problem, why do I need to change my card after deducting the money? There is no need to argue against me like this, the bank 's practice, I also checked and a lot of information on the Internet, I can be sure that I was targeted, the bank 's operation is not reasonable.
Product: Vehicle loan or lease

I went to a used car dealership XXXX XXXX XXXX in XXXX. The dealer XXXX XXXX, who went by XXXX, ran my credit which at the time was reporting in the very high 600s to the low 700s on multiple credit checks. I was told I had no auto loan score and that the only place that would accept me is credit acceptance. I received one of the highest apr rates, 22.99 % for a used car which gave me a XXXX interest rate. I called the company multiple times trying to understand how they came across the numbers but all I was told was that I had to speak to the dealer and when I did I was reverted back to credit acceptance. I was told Id be financing XXXX and was sat in front of a computer and told to type in initials wherever directed. I was told I needed to hurry so the loan could process and me being a first time dealership lease user I trusted the process. I legally did not sign any documents my initials were electronically typed in. I did not see anything about an apr rate nor was I told one in fact I had to ask for my paperwork due to the fact the dealer did not juts willingly give it to me and that is how I learned about the XXXX interest on my XXXX loan. When I called to ask if I could pay extra to my loan to try to decrease it I was told by the customer service that I could not pay extra to my loan itself u had to pay for both the loan and the interest. I also called to see if I could refinance with credit acceptance and of course they refused. I have had the car a little under 6 months and it has transmission problems and is out of commission. They will not negotiate my price nor take the vehicle back and relinquish my debt so I am out of a vehicle and my recently decent credit score will now be completely destroyed. I have been paying {$370.00} a month on time since XXXX. My outstanding balance was XXXX and not is at about XXXX. After reviewing the XXXX XXXX XXXX the car was only valued at about XXXX depending on the mileage which when leased was at XXXX. This dealer has had very many complaints as well as this company.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an error, I had 60 days late notice on an account that was paid on time. Consumer reporting agencies Need to report all information with complete accuracy. this account has not been late. Ive attached a copy of my report to this complaint. XX/XX/year> I am now requesting you investigate and provide Verifiable proof And records showing that I had late payments. If they can not verify, I was late I demand. These payments be updated. And paid on time immediately thank you For your understanding.