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

XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX XXXX XXXX pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned XXXX XXXX  to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account was closed after FNBO ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. FNBO did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted FNBO and they assured me it would NOT be marked as late, the XXXX after making my first payment, FNBO marked the account as delinquent. This delinquency lowered my credit score by another XXXX XXXX. ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXXXXXX XXXX XXXX my XXXXXXXX XXXX XXXX, which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted XXXX, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my credit score. 

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.
Product: Debt collection

Service date I'd XX/XX/19. Total balance is XXXX. HRRG is the company that keeps sending me letters. I have spoken to them letting them know this was a job related injury and I also spoke with the hospital on day of service letting them know this was a workman 's comp matter. I have called administration at the hospital. They told me they would send my ex employer the bill but instead they sent me the bill an now have collections sending me bills over and over. HRRG stated they couldn't do nothing about it
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX XXXX and I am a cardholder at Comdata, and I have been a victim of fraud. And I have submitted my claims online like I was ask to and yet I have only received just a little over {$200.00}, when I have been stolen much more than that, ( over XXXX ) I would like to know that status of my claim. I have not had any reach out to me and I am falling behind my bills. I feel that I shouldnt be responsible to these withdraws when I had called COMDATA to close my card because it was stolen and they submitted my request for a new card but never close the stolen card. I was exposed to a tremendous loss of all my funds and I am requesting a refund, due to a lack of processing a request. I submitted my claim on XX/XX/2021 and it been almost months and I havent heard anything from the fraud claim department. I have filed a police report and I have attached it along to this letter. I will also include a summary of the claims and the dollar amount that I have submitted. 

XXXX XXXX XXXX XX/XX/2021 {$43.00} XX/XX/2021 {$200.00} XX/XX/2021 {$23.00} XX/XX/2021 {$200.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$42.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX credit XXXX has XXXX my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied for a credit line increase with Navy Federal for my XXXX card. I was denied an increase based on a credit report PRIOR to my application. I notified Navy Federal that the report they are using is inaccurate. I requested they pull a current report to be able to properly evaluate my credit. They have refused stating they can decide what report they want to use. The current report will show at least a 40 point increase as well as credit utilization of 9 %.
Product: Checking or savings account

We were not checking our mailbox from XXXX XXXX XXXX due to my wife being out of town dealing with our other home that was impacted by hurricane Ian. Someone stole our mail during those dates and got access to the debit card that was mailed to me along with the pin for my Wells Fargo account. They used it at an atm location and took out {$700.00}. They also tried using it at XXXX but that charge was denied. I submitted a complaint to Wells Fargo to return the {$700.00} to my account. It was denied. We submitted a case with the local police department.
Product: Mortgage

I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX of XXXX  I got a loan of the original amount of {$570.00}. I was having difficulties financially and many other areas in life. I was going to pay weekly for about 52 weeks, with the promise if I pay 8-12 weeks Ill be able to payoff the loan with low interest and low amount. 

After about XXXX months, my financial worsened but I was able to make about 9 payments on my loan. During the month of XXXX I wasnt charged for about 3-4 weeks a single payment, also I missed some others. Then I was being charged twice Friday, and new charges started came out on Mondays ( as previous missed payments ). I would be charged duplicates payments Friday then duplicates payments Monday, and then Friday and Monday again. 

When I called to ask for a payoff amount to see if I could end the madness, they told me I had to pay {$1200.00} on top of about {$800.00} I already paid. I only borrowed {$570.00}. And now they are threatening to go to my employer to charge me interest and some other fees for I dont know how long. 
I dont think its legal. But I need help, I cant do it alone.
Product: Vehicle loan or lease

I was required to provide proof from a current XXXX, which I did. Still have not received the refund from that high interest rate.
Product: Mortgage

Hello, I just closed on a mortgage ( FHA ) as a buyer a week ago XX/XX/2021. During the closing, I noticed a big discrepancy on my closing cost in the final closing disclosure ( CD ) and complained about this to my attorney and the settlement attorney. The discrepancies involved some payments which are due to or responsibilities of the seller but added to my cost. For example, delinquent taxes of the seller was added to my closing cost. Another big issue is the missing seller 's credit of {$10000.00} as contained in the contractual agreement signed by all parties. This errors made my cash to close to rise by {$10000.00} to {$35000.00}. Page 3 of the final CD has seller credits as {$0.00} instead of {$10000.00}. Despite all my complaints to the lender and my attorney, I was not provided a comprehensive response to my inquiry of why these discrepancy occurred and what some of the payments in the final CD. I believe this is a subtle way of short changing me in the property purchase. 

In one of the responses of the lender to my complaints about this error in cash to close, some payments were marked as settlement made by the seller on behalf of buyer ( me ) towards the seller 's credit. However, a closer look at those payment shows that this maybe untrue. I requested for a new CD that separate seller 's payment of their previously owned taxes and from the credits provided to me for my closing cost. My request appears to be ignored. It is actually against the law for the seller to fulfil their statutory obligations and shift their past due payment to buyer. This is not the agreed seller 's credit of {$10000.00} in the contract/offer letter. 

I will be very glad if CFPB can intervene in this matter to save me from losing {$10000.00} in this transaction and to unfairly treated. 

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

I am trying to buy a house and I need to have my report updated. I provided Equifax with the statement from my car loan saying how much I owed on my loan, which is $ XXXXand they denied it, they are still showing the balance a {$710000.00} and will not update my credit report to reflect the correct balance. I explained that time is of the essence and they ignored me. They won't accept the statement because it says pay off balance, but the other 2 bureaus, XXXX and XXXX, have accepted this statement as evidence. Equifax is sabotaging my ability to purchase this home because their false reporting is making my debt to income ratio appear to be higher than it actually is.
Product: Debt collection

A representative pounded on our door on a Sunday afternoon. This person nearly woke our sleeping XXXX month old, and was rude when my husband answered the door. They handed my husband a fake summons ( it was not filed with the court-no clerk 's stamp or signature ), and this was an attempt to scare tactic us into paying the medical bill in full. The bill was less than {$1000.00}. I had just weeks before made payment arrangements with the hospital of {$200.00} a month to resolve any past medical bill debt. ( We moved and did not receive all bills until updating our address. ) After calling, apparently the hospital sold part of the debt to XXXX different XXXX and the BC services was XXXX of them, and was unbeknownst to me not included in my payment arrangement. BC services should not be allowed to pound on my door! A simple phone call would have sufficed.
Product: Debt collection

This Debt is 10 Years old. And was purchased by this company and redated. I have tried to reach them and was unable to. I reached out to TransUnion.. Neither could give me any proof that this was a new debt and not an old one rebought. This dept was from XXXX. This is VERY old. and Unfair practice. 
Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1000.00} Original Amount {$1000.00} Original Creditor XXXX XXXX XXXX ( Financial ) Past Due {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company permission to view my consumer report. 

JPMCB XX/XX/2021
Product: Credit reporting or other personal consumer reports

I want to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize and so I want to dispute these fraudulent information. It seems that someone may have used my personal information without my consent to initiate these inquiries. kindly request that you investigate these unauthorized inquiries and promptly remove them from my credit report. 

XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX came to my door and informed me of their promotion. No upfront fees, no install fees, and cost of equipment simply rolled up into the monthly fee of {$78.00}. Plus they would send me {$400.00} in gift cards for signing up and 3 months free. I agreed and said this sounds great. I had no idea that the sales rep was opening up a line of credit in my name with Citizens Pay. The sales rep was unethical in that he should have stated up front that the cost of the equipment is around {$3000.00} and we will need to open up a line of credit in your name. In fact when he handed me his tablet it asked me for my full SSN and I asked him why would you need this and if my credit is going to be run. He said sometimes the system asks for it but don't worry you are already approved to be one of our customers and no your credit is not impacted. He then said he had to put me on video but before he did this he coached me on exactly how to look ( not look away and simply confidently say yes ) He said the jargon used is legal stuff. I didn't pay much attention as I trusted him. A month later I find out I have a line of credit on my credit report. Also he said it would be 3 months free ( I had to call XXXX to fight them on that to get them to set that up, the bill is not {$78.00} but {$89.00} and they billed me for the installation over {$200.00}. WOW! So unethical, deceiving, and he did this to soo many people in my community. I would have never signed up if he was honest and said " look you need to apply for a line of credit in order to pay for the equipment '' So many XXXX violations. I had no clue I was opening a line of credit. I work in banking and I am very familiar with the law and XXXX is willingly breaking the law with their door to door sales practices. Yes I signed everything that was on his tablet because I trusted him and he simply pointed and said sign here so that is why XXXX will not change anything. In fact this sales rep advised me not to call XXXX if I had any questions but to text him for any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

I wanted everything Removed
Product: Credit card or prepaid card

I have permanently opted out of receiving pre-screened credit offers over a year ago and I continue to receive offers, in my name, most recently from Capital One for their Venture One Card. I am diligent about opting out of every possible marketing program and contact list, be it by mail, phone, e-mail, web, carrier-pigeon or smoke-signal. I, very intentionally, do not want to receive any unsolicited offers or be marketed to. At all. Ever. I view these programs as a threat to my privacy, my identity and my financial security. Additionally, these offers are an unwanted and obtrusive interruption to my personal business and piece of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unfortunate that I have to continually complain against XXXX XXXX XXXX XXXX ( XXXX ). XXXX  labels all my complaints as duplicate but has yet to provide the permissible permission used to access my credit report on XX/XX/2017. XXXX didnt have permission and would rather feel like they have answered but they have yet to provide me with the valid permissible permission. They have also said they mailed the permission but that is false.
Product: Debt collection

I reached out to MARS collection, to verify a colection that was reported on my credit the information below in order to verify debt. I recieved an email missing half of the information and was addressed to another party. I would mars to properly verify debt according to texas laws. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

I opened an account with citizens bank in XX/XX/XXXX at XXXX pa there was an offered during that time if you open a checking account you will receive XXXXbucks after 6 weeks of having the account opened I kept calling and they kept pushing the dates back they gave me a letter saying I shall receive funds by XXXX XXXX and I called the branch and no one knows what happened to my offered and they told me directly over the phone with they know if issued me the offered,. This is complete false advertisement and fraud..
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH XXXX, EQUIFAX, AND XXXX. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX  {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX  I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I was expecting a scheduled payroll deposit. This would have been an early deposit. It is typically available by XXXX on Wednesday. It was not available. Early deposits are a courtesy, but as of Friday XX/XX/year> I still have not received this deposit. I have reached out to the bank after being placed on a hold for 90+ minutes I was informed they do not know when the deposit will be available only that a technical issue had occurred. This has caused me an extreme financial hardship as I am scheduled to move and can no longer due to this problem. My lease has been cancelled and I have forfeited my deposit with the rental company. This is unacceptable. The company stated the funds would be available by Thursday, then Friday morning and now it is unknown. I can not live like this as I am a single person in this economy living paycheck to paycheck.