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

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX, XXXX, Equifax, and XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX  XXXX  ( XXXX : XXXXExperian : XXXX, XXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX  XXXX  ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX  XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX XXXX : XXXX, XXXX   XXXX  XXXX TX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  ( XXXX  : XXXX Experian : XXXX : XXXX. I requesting the above accounts be removed from my credit report.
Product: Checking or savings account

My complaint is against Nevada State Bank. 

When a costumer have problem with his/her credit or debit card at certain time of the day, he/she is unable to get help from costumer service calling to the XXXX or XXXX line provided for the same bank provides in those cases. They just limit to say " Please call on regular hours, the department is closed!!!! It is incredible and doesn't make sense at all!!! 

It have happened to me several times because I usually consult my account in the evenings. The times it has happened I have been even when I have written my ID and password correctly, but my account HAD BEEN LOCK! Then, when I have tried to reach someone in costumer service to help me with the matter, like others banks do, the representative always says " you have to call in regulars hours because I did not have access t the account ''. The service is really awful! 

The last time that my account was locked was on XX/XX/2022 about XXXX XXXX XXXX time. I was thinking that the worst is that it could happen in a holiday like XXXX XXXX or a weekend that the bank do not work, it means that Nevada State Bank XXXX clients would have to be with their accounts Lock just because Nevada State Banks REFUSES to hire more representatives to help their clients as suppose to on evenings. It shows that XXXX XXXX is very poor and INCOMPETENT!!! 

I think this matter deserves attention to be corrected & this institution must takes care about ASAP, because it is very wrong and it represents an unfair business practice. 

Thank you very much
Product: Vehicle loan or lease

I paid off my car lease through XXXX XX/XX/2022. I've called multiple times to the lease-end department as well as the title department. I've been on hold for a record of over 3 hours at a time with the title department, with no one picking up. When I've reached the lease-end team, they tell me they can't help. They told me they have sent my title to the IL and MD XXXX and provided me a tracking number that is fake. The tracking number does not track on USPSXXXX and when I call the XXXX XXXX XXXX XXXX XXXX in both locations, they do not have a title on file for me. At this stage, Hyundai is giving me the run around, after a year of paying off my lease, and refuses to mail me my title. Should this complaint go unanswered, I plan on filing a police report and pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

X/XX/17 harrassing calls and threats to myself and friends and family
Product: Credit card

I have been contacted by XXXX XXXX XXXX about a credit card that is in my maiden name and the last XXXX of the social match mine but it is not my credit card. The bank has turned it over to XXXX XXXX XXXX but it has been linked to the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my ChexSystems report that I believe is inaccurate and requires further investigation. I have reviewed my ChexSystems report and identified discrepancies related to three accounts, two of which appear to be duplicates with different balances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Upon careful review, it has come to my attention that Account Numbers 1 and 2 appear to be the same account with different reported balances. I believe this discrepancy is inaccurately reflecting my financial history and could potentially impact my ability to open new accounts or obtain credit. 
I am requesting a thorough investigation into these discrepancies and kindly ask for the following actions to be taken : 1. Verify the accuracy of the reported information on all Account Numbers.

2. Clarify whether Account Numbers 2 and 3 are indeed separate accounts or if they represent the same account with different reported balances.

3. If there is an error, correct the information on my ChexSystems report promptly. 
4. Provide me with written confirmation of the resolution and any adjustments made to my report. 
Enclosed with this letter are copies of relevant documents, including bank statements and account records, supporting my claim of discrepancies in the reported account information. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within 30 days. I appreciate your prompt attention to this matter and your cooperation in resolving these discrepancies. 
Thank you for your assistance in this matter. I look forward to receiving a response within the stipulated time frame. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

PNC BANK Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account XXXX Date opened : XX/XX/XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. 

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct [ XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MOMENTUM XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ] ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MOMENTUM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to bring to your attention an ongoing issue regarding my credit report, specifically related to an account I had with XXXX XXXX XXXX, which is inaccurately reported by TransUnion.

I have received several stall letters from TransUnion concerning this account, and it has come to my attention that the information being reported does not align with the actual status of my account. Under the Fair Credit Reporting Act ( FCRA ), it is clear that reporting inaccurate information on a consumer 's credit report constitutes a violation.

I would like to emphasize that this account was never reported as a Collection or Charge Off ; rather, it was reported as current. Given these circumstances, I respectfully request that this account be removed from my consumer report to ensure compliance with the FCRA and to rectify this misinformation.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian for several months asking them to look into my credit score and why it is consistently 100 points or more lower than XXXX  & XXXX. Every person gives you a different answer and has no idea what they are talking about. 

Each of them do have one thing in common though - You need to open another credit card because your file is " thin ''. I already have 3 credit cards and DON'T want or need a 4th one. I have plenty of credit. They also weekly send me message to open credit cards which I am sure they make money off of. Therefore forcing someone to open cards that I am pretty sure they make money off of. 

Today I had one " customer service '' agent ( XXXX - badge XXXX ) who when I asked to speak to you her supervisor told me that their managers do not speak to people. I called back again and got her : - ( and she hung up on me when I asked to speak to her manager. I called a 3rd time and XXXX ( ext XXXX, would not give his badge number ) also said his manager would not speak to anyone.

All I want to do is speak to a senior leader that actually knows what is going on to fix more score and bring me inline with the other agencies. My score being over 100 points lower than the other agencies is hurting my ability to get good loans for purchases of a new car and home. 

PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the XXXX XXXX XXXX Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by XXXX XXXX. 

The following items are being disputed : XXXXXXXX XXXX Date Opened/Closed Date/Date Reported XXXXXXXX XXXX Date Opened/Closed date/Date Reported In accordance with the five points of compliance under the XXXX XXXX XXXX  Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. 

2. Integrity : The information provided does not maintain the integrity and completeness required by the XXXX XXXX guidelines, leading to an unfair representation of my creditworthiness. 

3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile. 

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of XXXX XXXX reporting. 

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the XXXX XXXX XXXX Format in examining each disputed item and ensuring compliance with the five points of compliance. 

As per the XXXX XXXX guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the XXXX XXXX Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

Sincerely,
Product: Credit card

On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, USbank and myself it was determined the funds were sent to XXXX which was the previous owner of the card. On XXXX XXXX another XXXX way call with XXXX, UsBank and myself in which payment amount, date and trace numbers were sent. I contacted XXXX on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted USBank and was told the case had been closed and would reopen it. The representative told me he would call me XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail.
Product: Credit reporting

I have contacted and sent Fraud Affidavits to Experian and XXXX in regards to account numbers XXXX and XXXX. To date, I have not received anything from XXXX. However, Experian keeps sending me reports stating that this account is accurate. This is not my account. I have been a victim of identity theft and I will like these accounts removed from my Experian Credit File. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
Product: Mortgage

I've had a mortgage with Bank of America for thirty years now. i got my monthly mortgage amount for XXXX and it was {$110.00} more a month than the previous month. I called and they said my taxes went up. My taxes only went up {$150.00} for the year. but they are charging me {$1300.00} for the year, saying there was an escrow shortage. They said they would look into it and reevaluate. I got an email back saying the new amount would be {$110.00} more a month or {$1300.00} for the year. This doesn't add up. Can you please look into this issue? 
Thank you
Product: Mortgage

My wife, a resident of the state of Kentucky applied for a mortgage from Third Federal Savings and Loan. Since the house is her premarital asset, with the existing mortgage and title only in her name she applied for the loan with her resources and credit only. 
When the day came to close, I was informed that I had to accompany her to release dower ( since Kentucky is a dower state ). However, there was no reference to dower and my name in the definitions and signature blocks indicated I was the borrower joint and several with her. 
Since I was not assuming her debt and only releasing her dower right, I informed the lender that the forms were wrong or they fraudulently misrepresented the loan to my wife, who as now delayed over 60 days to seek another lender. We were also informed by the 'ender 's agent XXXX XXXX that they would not change any documents or terms. 
This was both fraud in the inducement and a violation of the notice regarding the fair lending act,
Product: Credit card or prepaid card

I was offered a Care Credit card while trying to pay for my dog 's emergency XXXX XXXX on XX/XX/XXXX. The total amount was {$6900.00}. I was told by the vet that the card would have 0 % interest for the first year, then interest kicking in after that. I was not informed that once the promotion ended ( ending XX/XX/XXXX ), I would retroactively be charged the the full amount of interest on the principle at a ludicrous rate of 26.99 %. Because I am eco conscious, I signed up for e-billing. I never once received an email from them regarding my promo period ending and what would actually happen. Additionally, they claim that every time I visited the site, I would be informed that my promo period would be coming to an end soon. This is incorrect. 

When I attempted to resolve this ( XXXX/XXXX/XXXX ) I was rebuffed and told that there was nothing they could do to reduce the payment. After paying {$220.00} a month for the last year ( total of {$2600.00} ), my current bill is {$6500.00}, which means that I have in essence paid off {$400.00} of my bill at the cost of {$2600.00}. This would seemly qualify as usury - this company preys on people who are trying to save their pets lives, and the vets issuing these cards do not explain what actually happens when the promotional period ends, they just ask you to sign the contract immediately, while your animal 's life hangs in the balance. I even offered to pay off the entire principle today with a reduced interest rate and they claimed that they could not help me. These are predatory loans, offered to people under emotional duress, without full disclosure.
Product: Checking or savings account

Dear sir or madam, I opened Wells Fargo everyday checking on XX/XX/2017. At that time, Wells Fargo bank had a promotion to open a checking account. It states that within 150 days of your account open date, your account must receive total qualifying direct deposits of at least {$500.00} per month for 3 consecutive months. We will deposit the {$200.00} checking bonus into your new checking account within 45 days after eligibility and qualifications have been met. 

I met these promotion conditions and did not receive the {$200.00} bonus within 45 days. Therefore, I called Wells Fargo customer service and spoken to a supervisor. She reviewed my account carefully and told me that I have met promotion conditions and I will receive the {$200.00} bonus within 14 days. After 14 days, I still didnt receive the bonus and then I received a letter from Wells Fargo and mentioned that I am ineligible for the promotion. This is contradicted what the customer service supervisor told me. And I believe that I have met all Wells Fargo promotion conditions. 

Please help me to investigate what happened, let Wells Fargo honor what they promised and deposit {$200.00} bonus to my checking account. 



Thank you very much for your help! 
XXXX XXXX
Product: Debt collection

jhpde is a debt buyer who purchased my XXXX account. The account was listed in a ChXXXX in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a 109 point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XXXX XXXX to check the status of a dispute. Equifax has an extremely difficult process that makes it very hard for a legitimate customer to verify their identity. The representative asked me a series of questions regarding present and past accounts as well as the monthly payment amount in order to verify identity. I literally pulled my Equifax credit report and provided the answers to the represntatives questions that were contained within the Equifax credit report. The representative informed me that I failed the identity verification and needed to send in proof of identity which could take up to 30 days. I had one simple question which I was able to call the other bureaus and receive the response in a matter of minutes. My complaint is that Equifax makes it nearly impossible for customers to speak with a representative to verify information that is within their credit report especially when the answers to their questions are derived from their online credit report which I pay for monthly. Please provide assistance in this horrible practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquiries. Please remove them.