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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i created coinbase account, deposited money from bank account, and couple days later they just restricted my account and disabled withdrawals. Since then zero help from their support, to this day i can't withdraw my funds
Product: Checking or savings account

Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.
Product: Mortgage

On several occasions over the past 2-3 months, I have attempted to contact someone at ArcHome Mortgage Company to resolve various issue involving making payments for an escrow shortage. Each time, I've been on hold waiting for a representative to answer my call. Each time, I've been on the line for over an hour without ever any representative answering. Each time, I've had to hang up due to the long wait. 

I emailed the company, and after several days of waiting, I received the below-listed response, which lists a phone number that is the one that no one ever answered. Also, it stated to simply make an additional payment to my escrow and my monthly payment would be adjusted. I then made an additional payment to escrow, however it never adjusted my monthly payment amount. Additionally, I set up Auto-Draft, however it did not make my payment, and subsequently after I checked the website for the payment, I had to pay it online, AND was charged a {$10.00} late fee. 
This company is also a debt collection agency, and is obviously TOO BUSY attempting to collect money from folks who have defaulted on loans, than to help me with my issues. This is a Horrible company, with NO Customer Service, with No way to resolve issues from good hared working responsible customers like myself. 


Website Inquiry XXXX XX/XX/XXXX at XXXX XXXX Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Horrible Website Dear Valued Customer, Thank you for contacting us. 
We have received your recent inquiry in regards to your mortgage account. When making additional one time payments, your current month 's payment must first be posted to your account. The system will not allow you to make two payments in one day. If you wish to make the payment on the same date as your monthly payment, there is a option to make an additional escrow payment along with your monthly payment. 
We are sorry to hear that you are unhappy with the service in which you have been receiving. We appreciate you taking your time to voice your concerns and opinions to us, as your in put helps us to identify where improvements may be needed. 
Please feel free to contact us at XXXX if you have any additional questions. 
Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 
Sincerely, Customer Support XXXX XXXX XXXX XXXX XXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 
*** this email was scanned for malicious content *** **********************************************************************************************
Product: Checking or savings account

On XX/XX/year>, while I was traveling in XXXX, I used my Citibank XXXX XXXX at an ATM at XXXX XXXX in XXXX. I have tried to withdraw an amount equivalent to US {$780.00}, however, was unsuccessful. To be clear, I was NOT able to get the cash out of the ATM. However, when I checked my bank account today, and it says US {$780.00} was deducted from my account. This is either a fraud or a system error. If we check the CCTV footage, I am able to very easily prove that I have NOT gotten the money out. 

I have contacted Citibank many times, however, since I am currently living in XXXX, Citibank was unable to open a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/XXXX
Product: Debt collection

No information was given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either
Product: Credit card

The lender obtained a new credit report and score for me, without my express permission, and used that new information to judge and lower my credit limit with them removing all of the available credit I had on my card even though I have never had a missed or late payment with them during the XXXX years that I 've had their credit card. Their action changed my credit utilization on that card from about 60 % to over 99 % causing an adverse effect to my credit profile.
Product: Credit reporting or other personal consumer reports

I want to contest the accounts on my credit report that was reported by your credit bureau. I do not recognize these debts and was not informed of them. Despite providing my new address, the creditors used my old address when I contacted them. As a result, I did not receive any mail regarding these debts and had no opportunity to dispute them. Reporting these accounts to your credit bureau without my knowledge or consent is a violation of the law. Your lack of cooperation in resolving this matter is unacceptable. I want these accounts removed from my file : XXXX CARD XXXX, XXXX CARD XXXX
Product: Credit card

hi i get an offer from American Express Blue Business Card by Using {$6000.00} in the first three months then they Give me XXXX XXXX points After using this card now they're declining to give me the points they're saying I have an idea cart like this basically I was never told I do not have this card, secondly this is under a separate business account nothing to do with this one I believe this is fraudulent activity they should be cleared specified at a time application and I should find out later. The business name XXXX XXXX XXXX thank you
Product: Debt collection

I noticed a debt on my credit report That's keep lowering my credit scores when i inquiring or dispute it. And now they move the debt to another company so i can't find out who open this debt that is on my credit report
Product: Debt collection

I informed XXXX 1 month before I swiched auto insurance companies that I was looking for better priced Insurance. I found insurance for half of what they were charging me with XXXX XXXX PA. and replased XXXX with XXXX. XXXX now is reporting to XXXX that I owe them over XXXX dollars and this is in collection and is refusing o remove this from my credit report. 

In the state of Pennsylvania all insurance must be paid for prior to service, How can owe them anything? 
Car insurance is paid 1 month in advance also and I did not get any money returned for that or my home owners insurance. 

This is labeled collection Service # XXXX exact amount XXXX.dollarslus you can lose your right to dive if you do not have insurance these people did this also and I was pulled over and checked for insurance by XXXX Police.
Product: Debt collection

I am writing to express my concerns and seek a resolution regarding recent interactions with your agency concerning accounts falsely attributed to me. I have been in contact with your agent, XXXX ( ID : XXXX ) I have repeatedly informed your representatives that these accounts are not mine and have requested verification documents to substantiate the claims associated with them. Despite my clear communication and requests for evidence, I have yet to receive any such verification. Instead, I am met with prolonged holding times often exceeding 30 minutes, only to have the calls disconnected without resolution. 

The insistence on immediate payment for these unverified and inaccurate debts is not only distressing but also unacceptable. The lack of response and failure to provide necessary documentation leaves me in a position where I am unable to resolve this matter effectively. 

I am requesting immediate removal and update of these erroneous accounts from my records. It is imperative that this issue is addressed promptly to avoid further inconvenience and potential harm to my financial standing. 

I expect a written response confirming the removal of these accounts and an update on the steps taken to rectify this situation. Your cooperation in resolving this matter efficiently is highly appreciated. 

Thank you for your prompt attention to this matter. I look forward to a resolution at the earliest convenience.
Product: Credit card or prepaid card

ON XX/XX/2021, I RECEIVED A NOTIFICATION FROM XXXX THAT SYNCHRONY BANK HAD CLOSED MY XXXX ACCOUNT. WHEN I CALLED SYNCHRONY BANK, THEY TOLD ME THAT " IT WAS A MUTUAL DECISION BETWEEN THE CREDIT BUREAUS AND SYNCHRONY BANK ''. WHEN I TOLD THE REP THAT I KNEW SHE WAS LYING BECAUSE " CREDIT BUREAUS ARE CREDIT REPORTING AGENCIES, NOT CREDIT GRANTING AGENCIES '', SHE TRANSFERRED ME TO ANOTHER PERSON WHO THEN TOLD ME IT WAS BECAUSE " THEY MAY BE CLOSED WHEN THE CREDIT BUREAUS AND SYNCHRONY BANK FIND THAT IT IS NEGATIVELY IMPACTING MY CREDIT SCORE '' ( IT IS NOT, AND IN FACT MY CREDIT SCORE IS A XXXX ACCORDING TO XXXX  ON XX/XX/2021 ). THEN, SHE TRANSFERRED ME TO A VERY HELPFUL THIRD PERSON WHO TOLD ME THE TRUTH. THEY ARE RETALIATING AGAINST ME FOR A 14 Y/O ACCT THAT 1 ) THEY HAVE NO LEGAL RECOURSE FOR COLLECTING ON 2 ) IS WELL OVER 10 YEARS OLD. THEY CLOSED EVERY SINGLE ONE OF MY ACCOUNTS WITH THEM ( MIND YOU, EVERY SINGLE ONE OF MY ACCOUNTS HAS A PICTURE-PERFECT PAYMENT/SPENDING HISTORY ). THEY ARE UNFAIRLY TARGETING ME FOR ACCOUNTS THAT ARE OLD AND I HAVE PROVEN TO THEM BEYOND ANYONE 'S REASONABLE DOUBT THAT I CAN PAY AND HAVE PAID MY ACCOUNTS ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting

My credit inquiries were all removed from my credit report which caused a small impact to my credit score positively when they were added back for whatever reason it caused a huge dip in my score and this was done without prior written notification per FRCA section 611 all items must be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 reporting or other personal consumer reports

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Product: Credit reporting or other personal consumer reports

XXXX  to the CFPBXXXX XXXX XXXX : XXXX  - Name : XXXX XXXX - XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Details : XXXX To Whom It May Concern, I am writing to formally dispute an item on my credit report. Despite my previous attempts to resolve this issue, it remains unresolved. **Disputed Item : ** - Dispute Reference Number : XXXX - Court : XXXX XXXX XXXX XXXXXXXX - Case Number : XXXX **Details of the Dispute : ** I have previously disputed this item with XXXX and Equifax. In response, both agencies verified the item as accurate, stating that they have verified the information with the court. However, upon contacting the court, I was informed that they do not report to either of these credit bureaus. I have enclosed their response for your reference. Your initial responses verifying the item with the court were either errors or misrepresentations. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the reporting requirements have not been met, and the information must be deleted immediately. Additionally, I would like to bring to your attention that my XXXX is not listed in my XXXX or XXXX XXXX report. This discrepancy between credit reports is not in compliance with the FCRA 's requirement for maximum accuracy. This further supports the inaccuracy of the information being reported on my credit report. I request that you take immediate action to remove the incorrect items from my credit report. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

someone stole my personal information and have been opening accounts under my name without my permission I made a FTC report and contacted the credit bureaus they didn't remove the account off my credit report after the investigation after i been a victim of identity theft. 

XXXX Report XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$800.00} XXXX Report XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$22.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Experian and XXXX 's end. This is my 5th attempt to request all documents to be provided and issued to me. Not fulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Card Date of Inquiry XXXX, XXXX Inquiry Date XXXX
Product: Money transfer, virtual currency, or money service

I sent a wire transfer from my Chase account to an international account. It's been two weeks and the funds still are not credited. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the XXXX XXXX you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Product: Consumer Loan

I leased a car for almost 4 years through Hyundai Motor Finance. 100 % perfect, on time and slightly overpayments ( I round up to the next dollar ) each month. I purchased a new car XXXX months prior to my lease end and the new car company gave me the funds to payoff my lease. I turn in the lease XXXX months in advance in XX/XX/XXXX.. I walk into XXXX to return the lease, speak to the receptionist briefly, a representative comes out takes the keys and says, " thank you, we 'll bill you. '' I 'm like, that 's it? And that was it. I 'm an online bill payer so I 'm checking my online account and it took a couple of weeks maybe for it to update to " this car has been returned. '' About 2 weeks go by and I begin checking my online account every few days or so maybe every week or 2. No bill. No bill in the mail, no amount due showing online just, " this car has been returned. Months go by and still no bill. I do n't even know who to call and check. The next thing I know, It 's been reported to my credit as delinquent. Late fees, bogus charges. My score dropped over XXXX points and all the while the funds to pay this bill, sat in an account, untouched, awaiting a bill I was promised and never received, and from my understanding was Never sent. After almost 4 years of perfect payment history, it was overly depleted in negative reporting in a matter of XXXX months and for absolutely no reason or explanation. According to a representative of Hyundai Motor Finance, the first notice following the return of my lease was sent on XX/XX/XXXX. I spent 40 minutes on the phone ( much of which was on hold ) while this representative, XXXX his heart, was struggling to understand what happened exactly. I 'm still waiting on answers, I need answers, my credit score is in ruins, and I XXXX this endeavor is successful in seeing that this injustice is made right and wiped clean.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX AAA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I requested a payoff from Marcus by Goldman Sachs. They provided the information needed which was {$6300.00}. Account number ending in XXXX. Their infprmation phone number is XXXX. On XX/XX/2023 I requested XXXX XXXX XXXX to pay this off via Loan Officer XXXX XXXX, phone number XXXX. XXXX XXXX issued Cashier 's Check # XXXX in the amount of {$6400.00} to Goldman Scahs Bank USA as instructed. On XXXX Goldman Sachs cashed the Cashier 's check as evidenced by attached document. At some point Goldman Sachs contracted with XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, customer inquiries XXXX. To date I have spoken to customer representatives at XXXX all of which agreed to assist me but they keep sending me notices to pay and have not confirmed that the account is paid. The account number with XXXX is XXXX. I have notified XXXX that the collection is at least illegal as it has been paid and I sent them the same proofs as enclosed herein.
Product: Credit reporting or other personal consumer reports

The loans was taken off I had a XXXX XXXX The loans was over 20 years. 
US education has taken the loans off but the loans is still showing in my score making my score like XXXX, I can't buy anything on my loans scoree my score is horrible I need this to loans taken off I'm immediately
Product: Credit reporting or other personal consumer reports

Information unlawfully sold to others from Equifax.
Product: Credit reporting or other personal consumer reports

Account status had not been updated since XXXXXX/XX/2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information to my report. Company is in direct violation of USC 1680. Company is also in direct violation of 15 USC 1605. We will seek legal action if not resolved. 

Acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THESE ACCOUNTS THAT ARE ON XXXX CREDIT REPORT