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

After struggling and getting sick not only has XXXX used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My equifax still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is equifax willing to help with getting my score back. Please help. Thank you
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : XXXX XXXX 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/year>
Product: Credit card

I saw two money transfer charges, and one transfer fee charge, on my Citi card. They originated in XXXX, TX. I live in XXXX, TX. I never carry this card on my person. I keep it locked in my office, and used it for my husband 's caregiver charges. The charges are definitely NOT what I would do. I repeatedly asked Citi to take the charge off my account. After a month of " investigating '', they refused to take the charges off the account. I have referred the matter to the Attorney General in Texas, and now I'm referring it to your Bureau, also.
Product: Credit card or prepaid card

I purchase a automobile motor from XXXX XXXX XXXX XXXX starting with a XXXX payment from my debit card with USAA ending in XXXX i later finished payment for this motor on XXXX with my credit card ending in XXXX for XXXX totaling XXXX. The owner XXXX from XXXX XXXX XXXX was supposed to send this motor and never did to this day. He has been refusing to work with customers in paying back their money. I have tried numerous times to settle this with USAA but have had negative outcomes. Please help me in this matter. I no longer want to be a consumer in America until this is solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.
Product: Credit card or prepaid card

Back in XX/XX/2021 I received a letter from XXXX stating my personal information was compromised and they were offering 2 yrs of free identity theft protection. When signing up for the protection I discovered that 2 credit cards had been opened using my personal information. When I reached out to Bank of America to report the card being fraudulently opened using my personal information They asked me what name was on the card and I was told they had no account in that name so I then provided them with the account number and they asked me how I got the account information and I said it was on my credit report and the credit bureau provided my with all the missing information. The bank seemed more bothered that I had the account information than what they needed to do to get a full disclosure as to how the account was opened and by who and what was provided to them by the thieves. Apparently, they used my personal info to open the account and then removed my name off the account and placed it in their name. They actually hung up on me after I insisted on them to investigate this fraudulent credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from XXXX XXXX and the other from XXXX XXXX. However, I noticed a month later that Transunion is showing a second hard inquiry from XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact Transunion. I contacted transunion and was told to get a letter from XXXX XXXX in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. XXXX XXXX will not send me a letter Because they 're saying they did n't request my credit report on that date. Transunion is not removing the inquiry stating that I need a letter from XXXX XXXX. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from XXXX XXXX on XX/XX/XXXX to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX / XXXX reports me as an authorized user. I was removed as an authorized user, but when I disputed it to the credit bureaus they say they investigate but it remains on my credit file. UNDER FEDERAL LAW, FCRA, and FTC, an individual has the right to be removed as an authorized user and it DELETED on credit file since I was not the one who authorized to be a user. This must be deleted immediately as I requested or a FTC and civil suit by atty XXXX XXXX of XXXX XXXX XXXX  will commence in my county for all damages including punitive since I XXXX XXXXXXXX  XXXX XXXX  have XXXX XXXX  XXXX. Stress causes my XXXX to become worse.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses.
Product: Mortgage

I had applied for a loan modification to Fay Servicing due to the COVID pandemic. I had submitted all the required documentation as well as detailed explanation outlining my temporary financial situation. I kept calling on a weekly basis inquiring about the status of my loan modification application. Two days ago, XX/XX/21. I contacted Fay servicing again. They said that they mailed me a letter on XX/XX/21 which I have never received indication that my loan modification was denied and that I had 15 days to appeal their decision. I am going to file the appeal tomorrow. The property address is XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX NJXXXX. My Soc # : XXXX.
Product: Credit card or prepaid card

I used my XXXX XXXX card to purchase a service from XXXX XXXX XXXX   ( XXXX ) in XX/XX/XXXX. For {$2500.00} they were to provide my father ( this was a gift to him ) with four dates within a six month time period.

After six months XXXX had failed to provide my father with any dates. I requested a refund of the money three times. After I got no response from XXXX I contacted XXXX XXXX and told them the story and they agreed to dispute the charge on my behalf and credited my account back for the money approximately XX/XX/XXXX.

In XX/XX/XXXX the {$2500.00} charge reappeared on my card. I called them to ask why and they claimed that I had received " services '' from XXXX. I argued with them that I had not and they stated that they " could not help me '' because of the " cancellation policy '' in the contract. I pointed out that the merchant had failed to honor XXXX terms of the contract. They refused to remove the charge and I am now forced to pay for a service that I ( really my father ) never received and never will.
Product: Mortgage

The bank returned my XXXX XXXX payment to me. I 'm asking you will ask the bank to reverse their action, because I 'm not responsible for the delinquent taxes in XXXX or the current at the time taxes XXXX. The title company took the money out for taxes, before I got the loan. Is there anyway to make the bank more accountable for their actions? 
I 'm asking you to treat this manner with great urgency. My homes dependency is riding on this matter. I have made all of the loan payments on time. I have also paid the taxes, on the following years, which are included, in this complaint, as well as the settlement statement, that I received when closing on this loan. I have made XXXX XXXX dollars additional on the loan this year, and made XXXX XXXX dollars additional last year. I do n't have a issue paying the notes. I have and issue with the bank, being responsible. I do n't have proof of XXXX or XXXX 's paid taxes, because they were to be paid by the title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX I called that company, several times. The person handling that case was n't in they did n't call back.
Product: Checking or savings account

I was one of the victims of bank of America They kept charging me overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX this paypal company would not admit to law enforcement agencies that they lied about XXXX XXXX and XXXX XXXX connected paypal account under XXXX XXXX XXXX dba name. I have signed XXXX XXXX up with his permission and he was right there with me giving me his social security number. He lied to his father who was a lXXXX  and then acted like his identity was stolen which is was not. He had part ownership in my XXXX. His parents gave him XXXX and I XXXX them for him to make a little money. I can't believe the politician 's up in congress and senate allowed this company to even be class action banned. This is illegal what they did to my business partner and i and unethical. XXXX women or women of XXXX religion need their male business partner to do business and taxes. This violated religious rights and human rights of both XXXX and XXXX belief system. This trump administration got caught purposely denying sba loans to XXXX owned restaurants in XXXX, n.y. who had to liquiate curtains just to pay their bills. The worker there said in XXXX she was sick of her drivers smelling of XXXX thankyou for saying something to those politicians up in washington. This is human rights violations of this company. By the way my first dba was XXXX XXXX  which XXXX XXXX that may of been offensive to the XXXX religion and the 2nd dba was XXXX XXXX XXXX to save the other business mans life. He didn't know how important the XXXX XXXX XXXX company name XXXX  was to saving his life. A bunch of real XXXX  could of come after him so I was his father to know the XXXX  company had to be formed. His father would not admit it to law enforcement or tax agencies either that I know of. I am not a theif or identity theif either. He should never have lied. Now this president trump denied my sba loan because of suspected perjury and i have no other way out than to hire a professional lawyer. If i had my stimulas funds i could of done that. Someone took my XXXX XXXX funds away by removing my debit card from my mail box and i want to know why. I also want to know why the president abused his presidential powers by delaying things opening. I needed my stimulas check even though it probably is dirty seized XXXX XXXX MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

KOHLS has 3 accounts of my credit report. One that is active is fine and needs to stay. I need the 2 that are closed off my credit report. The old account is 9 years old and settled, it needs deleted. I am trying to purchase a home and this is hindering my ability to do this. There is another old kohls account that I am an authorized user of that is 20+ years old just on my XXXX  credit report, it is not mine, I do not know whos this is but it needs deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are several fraudulent inquires and a fraudulent account open on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX on XX/XX/2023 my tracking numbers where for experian XXXX .... for XXXX XXXX and for XXXX XXXX involving XXXX XXXX XXXX account XXXX However they said that they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

this account has several inaccuracies and this account needs to be deleted right now
Product: Mortgage

Ive been having trouble the past two months with no having my on time mortgage payment processed for Fifth Third Bank because I owe a surprise new amount for escrow. The communication of the escrow analysis change has been poor but understandable because of USPS delays and that I havent set up an online account yet ( my mortgage was bought by them recently ). The adjustment to the escrow didnt align with when my property taxes are adjusted or with an insurance renewal so I was confused why it would change. Yesterday when I was able to talk to the escrow team on the phone, they told me that it was their process to hold twice the amount of the total of my projected property tax and insurance costs in the escrow account. So I paid the overall shortage of {$270.00} and my mortgage payment is also increasing by {$16.00} every month. It doesnt seem right that they are about to hold double what I am projected to owe in property tax and insurance.
Product: Credit card or prepaid card

I made a large purchase from XXXX XXXX on XX/XX/2020 for {$14000.00}. Then in XXXX I cancelled the order since the company could not meet my demands. I have a return receipt from the company for {$14000.00} on XX/XX/2020. I called my Citi credit card and filed the dispute and emailed a copy of the return receipt. Citi cards closed my account and did not resolve my dispute. The credit card company still says I owe this amount.
Product: Credit reporting

IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report an alleged bankruptcy without any providing any documentation to me to validate this. Who did they talk to to validate this information. Furthermore they need my written consent to report any information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.
Product: Payday loan, title loan, or personal loan

XX/XX/19 around XXXX ( work hours ) XXXX XXXX from Improved Data Services called my sister ( XXXX ) from phone # XXXXXXXX  & informed my sister that a legal matter was being brought towards me. I returned XXXX XXXX call at phone # XXXX, after she left me a voicemail. I requested that she NOT contact my family members regarding a matter that does not concerns them. She then left me another voicemail while I was at work. She then called my job, asked for me, left her name & hung up when I picked the call up. Harassing my family members & bothering me at work is not the way to conduct business.
Product: Credit card or prepaid card

name : XXXX XXXX 1. i have been charge more than XXXX more interest on my account since the purchase is about XXXX dollars. 
. 2. I have never receive any notice about the promotion expire, if i do receive a notice, I will do whatever i can do to pay the XXXX dollar balance instead of paying huge amount interest. 
3. I have set up an auto pay with the brandsmart staff, who told me everything is all set, i dont have to worry about anything. 
4. Even i did not pay off the total amount within 24 month, i supposed to pay the interest for whatever the balance is. 
5. I did not receive any letter or notice saying that i will be paying a huge amount of interest, specially during XXXX XXXX pandemic, they should offer more time it is really a difficult for me to pay this crazy amount, and all the bank are trying to help customer to go through this difficult time, i hope they are the same, in the website they are saying the promotion period is extended. 
6. I was put on hold 40 mins in order to talk to a account manger and I got hang up when I was talking.
Product: Checking or savings account

Have been trying to receive a check on a closed account since XX/XX/2023. Have called every single week since -- 16 times. All other mail, all statements, and the letters denying the request to resend the check are received without incident at the XXXX XXXX XXXX XXXX, XXXX FL address -- in fact have received FIVE letters of RESPONSE TO YOUR CONCERN advising to call and update the address. When called, they create an investigation, and promise someone will call back within 24-48 hours. Have never received a return telephone call, but do receive all of their mail aside from the check. There is only one address, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other correspondence is received and has been received at that address for several years, it is the only address.
Product: Credit reporting or other personal consumer reports

I filed arbitration against XXXX and TransUnion, and they refused to go to arbitration. I got a notice from the XXXX that they are being kicked out of arbitration due to a pattern of failures to comply with XXXX policies regarding consumer claims, including not paying arbitration fees. Per the attached correspondence I received from XXXX, XXXX is banning them from arbitration entirely. This is violating my arbitration agreement as well as the Colorado Revised Statutes 5-18-116. The XXXX. specifically provides that XXXX be the forum for arbitration in consumer reporting/ CRA matters. The law does not give me a backup forum to use nor have I heard from XXXX and TransUnion 's legal departments to know if they received my demands. XXXX and TransUnion are willfully ignoring my rights, breaching their contract, and obstructing my ability to enforce my rights under the legislation that governs them.
Product: Mortgage

Initial application to refinance mortgage with current mortgage holder ( Caliber Home Loans ) was made XX/XX/2020. Although mortgage representative has reported the application has been approved, no information regarding a closing date has been made. Additionally, numerous loan documented have been forwarded, which appear to contain varying estimates of loan details, including a substantial out-of-pocket amount required at closing by the applicant, although the loan representative indicated that the closing would not entail any cash in hand. All communication between the applicant and the mortgage representative is documented within an email file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Consumer Loan

We purchase furniture through freedom acceptance corp, I was recently reviewing our credit report and found that we have a judgment in XXXX against us that was filed in 2011. I do n't understand how a judgement in XXXX can be filed against us when we dealt with and made the initial purchase in XXXX. Freedom Acceptance Corp also has debited our bank accounts for unauthorized payments, charged unreasonable fees to make automatic purchases, made collection calls 5-7 times per day. I asked for a written invoice several times and I have never received one.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I believe that I am included in the Wells Fargo class action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information and reporting amounts