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

The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Product: Credit reporting or other personal consumer reports

My father placed a credit freeze on my file with the Experian credit reporting agency, when I was a minor. We received correspondence that a freeze has been placed on my file and received a PIN number. 
When I became an adult, I wanted to manage my credit freeze/unfreeze online just like I am able to do with the other credit bureaus and I contacted Experian and was asked to create an online account. I created an account and every single time, when I try to login into my account I was presented with a screen that states that my account needs to be verified and I need to submit documents. 
I have mailed the requested documents 3 times, mentioning that I would like to manage my security freeze/unfreeze online and every single time, I was presented with a standard letter that " My credit file is already frozen ''. 
Contacting them over the phone, I was asked to mail the identity documents again which I had already done 3 times. 
Without having the ability to manage my freeze online, I have already been denied from getting credit cards and other credits. 
I need the ability to manage the freeze on my credit file in Experian just like I am able to do with other credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX - showing an outstanding balance ( charge off ) of {$7700.00} There is no more outstanding balance as the leased property was returned to the company and the contract terminated. This company has failed to produce any evidence of a left over balance despite many written and verbal requests. This balance must be updated to {$0.00} or the account deleted in entirety. Thank you.
Product: Debt collection

XXXX XXXX has called all of my family members and divulged to them that I am in some sort of legal trouble. They told my daughter who is away at school I was going to prison if I didn't call them. When I called them and asked them to provide written proof of the debt owed they refused to do so. I have never been notified of a judgement and now after calling my office numerous times and being told not too they are threatening garnishment of wages. They still call an office I am no longer working out of. Finally they are telling me it is for a payday loan called Bridge Lending. I only did business with them in 2018. First, my records show the loan was paid in full. Second, the state of LA has three year rule making this debt out dated and they need to stop harassing me and my family. These tactics are unacceptable, heavy handed and very stressful. The latest number they is a XXXX, but they also have called from XXXX, numerous 800 numbers, etc. You never talk to the same person and they are always rude and disrespectful and threatening.
Product: Credit card or prepaid card

Between XXXX XXXX and XXXX of 2018 I bought 2 prepaid NetSpend cards for my XXXX year old daughter and XXXX year old niece. I did not know they had to be over XXXX to use the cards, according to NetSpend. I loaded {$200.00} on each card, when I called to activate them, I told them who they were for, and that's when they told me they couldn't use them. I then asked them to transfer the funds to my other NetSpend card, which they said they could not. They then told me they would send me a refund check for the {$400.00} I put on each of the other cards. I have not received my money back up to this day, and I would like all of my money returned immediately. This took place at the XXXX XXXX on XXXX and XXXX in XXXX XXXX at approximately between XXXX and XXXX, possibly on XX/XX/2018.. NetSpend had me put my daughter and niece on the phone so they could question their identity, and then allow the girls to access the funds by having checks sent to each of them in their names, which I reluctantly agreed to because they said that's the only way to recover my money, which I have still never received. Please help me get my money back, I'm a single mother that was just trying to make my daughter and niece happy, but I didn't get to do it that way, because NetSpend refused to return my hard earned money back to me.
Product: Checking or savings account

USAA double charged my credit card for {$10000.00} XXXX from my USAA checking to my USAA credit card. It has been XXXX days and the refund has not been placed back into my checking account. USAA is refusing to add the credit back even though the credit card is paid off
Product: Debt collection

Nissan motor acceptance is violating both FDCPA and FCRA laws. Nissan motor is trying to illegally and fraudulently collect debt on an already paid in full and closed account. They illegally and fraudulently sold my car loan to XXXX XXXX XXXX despite numerous recorded phone calls from myself and my family, where we are instructing Nissan to cease and desist all communication with XXXX XXXX XXXX, and that they did not have our permission to engage in any third-party business or to disclose our information. Nissan gave the incorrect payoff amount to XXXX XXXX XXXX, and now they are coming after me and reporting me late on a closed account if Nissan wants this resolved, they shouldve followed the laws and follow their consumers instructions to cease and desist all communication with XXXX XXXX not accept any payment from them and do not disclose our personal account information with an unauthorized third-party we made numerous calls from XXXX to XXXX begging them to stop. Nissan can simply fix this by refunding XXXX XXXX XXXX and revoking the the title that they gave away to XXXX XXXX XXXX and reopening our account. 

After this complaint, I will also file a complaint with the FDIC
Product: Vehicle loan or lease

Dear XXXX XXXX XXXX LENDINGPOINT XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from LENDINGPOINT. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Product: Student loan

XX/XX/XXXX- I applied for XXXX. Submitted employment certification from XXXX XXXX XXXX XXXX XXXX covering employment from XXXX. 

XX/XX/XXXX - PSLF payment tracker showed XXXX/XXXX qualifying payments. 39 months from XXXX were missing ( not eligible/ineligible - just missing entirely from account ). FSA advised that this would be corrected under one-time XXXX adjustment. 

XX/XX/XXXX - No update to account. Followed up with FSA in regard to the one-time adjustment. Was advised that the reason the months were missing was because I DIDN'T HAVE LOANS UNTIL XXXX ( despite graduating in XXXX ). Advised to reach out to provide documentation of the EXISTENCE of my loans and their repayment status during the missing months. 

XX/XX/XXXX - Submitted proof of loans and status ( economic hardship forbearance ) from XXXX to FSA along with a complaint. In all, four complaints were closed with no reason or resolution. My FSA records were not updated. Payment counts were not adjusted. Advised that my next step was to " just wait '' for the adjustment which would occur by XX/XX/XXXX. 

XX/XX/XXXX - Followed up with FSA. Was advised that the missing months were the result of a system error that would NOT be corrected by the one-time adjustment. Advised to submit reconsideration request and documentation of my loans during the missing months. 

One week later - Reconsideration closed with no resolution or reason. 

XX/XX/XXXX - Per the advice of FSA, submitted another reconsideration request. 

XX/XX/XXXX - Received notification that the one-time adjustment was complete. The months missing from my counts were NOT corrected. Told by FSA that the missing months qualify and should be accounted for in my counts, and to just keep waiting. 

XX/XX/XXXX - FSA rep confirmed that there is a system error impacting my counts and that my reconsideration had been sent for review. She could not provide a timeline for resolution. 

XX/XX/XXXX- Officially been waiting two years and three months for my account to be correctly credited for XX/XX/XXXX through XX/XX/XXXX. My loans were in a temporary economic forbearance for more than 36 months cumulatively. Per law, these months need to be applied as qualifying payments to my account.
Product: Credit card or prepaid card

All of my Citi Bank Credit cards were closed by Citi last week for no reason. I have never received any communications from Citi regarding the closure, including any text, calls, emails, or mails. I only came to find it out when I log into my online account and discovered that all accounts were closed. I called Citi and talked to a manager, who told me that he can't tell me anything and he can't help at all. I have a total of XXXX thank you points that I can't redeem.
Product: Mortgage

My complaint is with Freedom Mortgage and what I feel like is deceptive practices during the refinance process. 

I recently refinanced a mortgage with some credit card consolidation. The total amount of the new mortgage loan was around $ XXXX. The appraised value of the home was roughly $ XXXX. At no time in the refinance process was mortgage insurance mentioned with the FHA loan nor was I given the option of a conventional loan. At closing, the mortgage insurance was added to the loan in the documents that were signed. Even though I clearly have more than 20 % equity in the home, I can not get the mortgage insurance removed for 11 years or until my remaining balance drops to around $ XXXX.
Product: Checking or savings account

On XX/XX/XXXX I went to the Wells Fargo location located at XXXX XXXX XXXX XXXX XXXX California XXXX. 

I went there to perform currency exchange after directed to the location by corporate customer service. 

Despite the corporate office explaining to me in detail that an account was not needed in order to conduct currency exchange, the location asserted that an account needed to be opened in order for them to conduct the currency exchange request. 

As such I obliged their request to open a checking account for the purpose of the currency exchange. 

They then told me that there was an account from 2012 that was in my name. They said that they could not reopen the account until I paid the XXXX. As such, despite having no recollection of the account and having had never received any notification of any previous account, I paid the XXXX for the unsubstantiated 2012 account. 

They did not reopen the account but created a new account to which they told me I needed to pay an additional XXXX deposit. As such I did. 

They then allowed me to conduct my currency exchange request. They informed me that meeting their demand to payoff the aforementioned 2012 account meant that my account was once again active and running. 

As such I immediately performed an ACH Bank to Bank transfer to my Wells Fargo account in the amount of XXXX. However, I was informed by email the following day that my account was set for closure on XX/XX/XXXX due to early warning services. 

The entire situation was unfathomable. Firstly, there was no need to have an account in order to perform currency conversion. Secondly, the 2012 account had not been substantiated and I would not have paid XXXX to reopen such an account and pay an additional demand for a XXXX deposit should the access until be set for closure the following day. 

I, without a doubt, was unequivocally taken advantage of in the worst way and lost money and incurred financial damages as a result of the false promises and misleading information provided by the branch.
Product: Credit card or prepaid card

Citi bank charged my card for items that I didnt order. I talked to them many times with no response or resolve. When they reported my account to credit report as delinquent, I finally paid it so my credit report, which was over XXXX at the time, would stop falling. If you check my report you can see that I had an excellent score. Any help would be appreciated.
Product: Credit reporting

All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on XXXX for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus XXXX XXXX {$20000.00} XXXX - Transunion XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX XXXX XXXX XXXX XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX XXXX XXXX XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim
Product: Checking or savings account

I have an Flexible Spending Account for childcare expenses through my employer, that is managed by Bank of America. On XX/XX/XXXX I utilized all XXXX funds in the account in the amount of {$310.00}, prepaying childcare into XXXX because I could not find any documentation on the date when XXXX funds needed to be utilized. 

Bank of America denied my claim for funds in the XXXX multiple times, even after being provided with receipts from XXXX XXXX ASEP Program ( After School Education Program ), which is an eligible dependent care service. Bank of America XXXX claimed that it was not clear that the program was for XXXX and that a note I had entered on the payment noting " XXXX XXXX out '' made it ineligible for payment ( the note was manually entered for my record keeping in the XXXX XXXX, and was not part of the receipt information ). 

This is laughable, as I have used my FSA funds for this dependent care service since XXXX of XXXX, and Bank of America has paid XXXX claims to XXXX for XXXX based on the receipt generated with each payment, prior to the denial of the XX/XX/XXXX payment. It took three denials and an additional receipt from the teacher at the school to get them to cover the claim with my XXXX funds. 

My most recent payment on XX/XX/XXXX for dependent care in the amount of {$140.00} to XXXX has similarly been denied, with the claim there were no dates of service on the receipt XXXX dates of service don't auto-generate on the receipt, especially as we must pre-pay for service and there can be weeks with pro-rated amounts carried over ). I then supplied a receipt with the dates of service and the claim was again denied by Bank of America on the grounds that there is no evidence that the payment is to a dependent care provider. They have refused to acknowledge that XXXX is an acronym for " After School Educational Program '', despite the fact that the care is through a public school and that they are an eligible provider of dependent care services. I am frustrated with making multiple calls and providing multiple receipts to access my own funds in my XXXX account. I believe they are hoping to retain the funds by making them impossible to use for their intended purpose.
Product: Credit card

This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent. XXXX XXXXXXXX stated this account isnt being reported on my consumer report however it is currently showing on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Have a unknown card in my hard Inquires XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown discover bank card never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires discover card never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.
Product: Debt collection

This company is trying to collect funds from me I do not owe I have no idea who and why this company has put this information in my credit report this company has never contacted me nor have I ever has an account with them they have no right to put this account in my credit report. 

This company is a fraud and the account must be removed from my credit report
Product: Mortgage

XXXX XXXX, last four XXXX Company complaint regarding XXXX XXXX XXXX  Following up to a previous complaint filed, I felt that Premia made numerous false statements in their response. I am mostly concerned with their assurance that they only requested a credit report twice. I have their requests for the following dates : XX/XX/XXXX ( prequal ), XX/XX/XXXX, XX/XX/XXXX -- credit reporting is also showing an inquiry on XX/XX/XXXX which is when I received a relocation package stating that Premia was the loan provider I should use. 
My second concern is regarding determining rental income. I recently visited with the local HUD office in XXXX XXXX, PA where we went over my tax returns, rental statements and rental income according to HUD 's policies. We also made similar calculation using XXXX XXXX and XXXX XXXX  requirements. 
According to XXXX XXXX XXXX, the rental income did not qualify as income based on HUD. HUD explained that Premia 's team did not read the requirements for calculating which clearly state how to handle one time only expenses, tax deductions, and days rented. I provided documentation that my rental property was only in service for seven months of XX/XX/XXXX, 12 months of XX/XX/XXXX, and current through XX/XX/XXXX ( now 10 months ).  XXXX XXXX through his conversation with me and his conversation with my realtor, XXXX XXXX confirmed that he did n't look over the tax returns provided ( included XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). He based his continuous assertions that my income vs debts satisfied the qualifications for a FHA loan at 3.75 %. 
Clearly, Premia ignored, disregarded or were not competent to review financial documents for the purpose of qualifying consumers. Or, as stated in my original complaint, Premia 's intention is to defraud consumers. 
In addition, Premia asserts that I contacted them for a conventional loan. This assertion is false. I can provide emails back to XX/XX/XXXX that show that no conventional loans were discussed. Premia only discussed a conventional loan after claiming I could not qualify for a government loan. 
My complaint and request for action : 1. Premia clearly does not honor rate lock contracts evidenced by their efforts to claim that a rate lock is contingent upon a credit score. FHA/HUD does not have that standard. Premia does not have that clause included in any contracts. 
This action represents contract breach and violations of Federal Codes. 
2. Premia by and through its agent, XXXX XXXX, solicited and enticed a consumer to apply for a government loan. Then, Premia claimed the consumer did not qualify and pushed him/her toward their own private/ conventional loan products. This falls into the realm of fraud. 
3. Premia 's statement in response to previous complaint included deliberately false information and therefore intended to interfere with government processes and investigations.
Product: Student loan

I went to college at XXXX XXXX in XXXX Oregon. I got all my loans through a private place, though XXXX XXXX student loans. I have been paying a lot of money every month to XXXX XXXX since I left school in XXXX All of that is as it should be. Then early this year, I was told of an outstanding late payments to a company called XXXX They told me I owed them over {$8000.00} dollars and have had months of late payments. When I tried to tell them I have never used their company, and I got all of my loans for school through XXXX XXXX. I showed documentation as proof that I pay my student debt on time, though XXXX XXXX. I submitted a fraud report, but it was denied. So when I called them back they told me theres nothing I can do except pay them. So now I have to pay student loans to a company that I have never heard of and they dont have correct information, as well as still paying the same balance at XXXX XXXX XXXX
Product: Bank account or service

Received a 30 day notice from Chase Bank that they were closing my account. The letter did not state a reason why and neither anybody at the XXXX number Chase provided in their later or a branch manager ( I was told by the contact at the XXXX+ to talk to a branch manager ). 
I recently sold my house and paid off my mortgage and home equity loan to Chase. Now I know there is no early pay-off penalty but to me this feels like what Chase is doing. 
I am worried that whatever prompted Chase to take this action is going to prevent me from getting a replacement bank. 
Has anyone gone through this experience
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX   XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates being reported.