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

I have tried for the last 3 months with many complaints regarding eceprian and their false advertising using Credit Boost. i have tried to call them well over 50 times andthey refuse not to fix the problem but refuse to answer my calls or return my calls. they refuse to list my information to credit boost correctlt and the sysyems does not raise your credit score when they keep on advertising on tv. When you try to call it takes almost 5 minutes just to go thru the options and it repeats the same thing over and over until you have to try several times to call back to get to the right department. when i spoke to someome about this weeks ago they keep on sending an email to me that they are trying to fix the problem with their credit boost. so why are they still advertising it when it does not work. i have followed all the rules but all i get is excuses and frustration because they are making it so difficult to help build your credit.I have spent 100 ; s on man hours on the phone trying to speak to someone and end up being transfered to another person then get disconnected Experian shuls be sued for what they are doing.
Product: Debt collection

I had auto Insurance with XXXX  so Im pay for both cars around XXXX $!!!! Its supposed to be full coverage, one of my XXXX windshield got stone and it crack Im calling them and they supposed to be fixed but I founded that Im paying this amount for regular all time after thats I was cancel policy and this month I found out thats they claim XXXX $ this insane policy was cancel myself after Im overpaid them
Product: Checking or savings account

I applied for a personal loan and the company deposited a fraudulent check. They then withdrew funds from my checking account. They made purchases through another application withdrawing funds from my checking account. All started on XXXX totaling {$3800.00}. I was called by the FRAUD DEPT from my bank and this put my account in the negative. They told me that I was responsible for bringing it back to a positive amount. I filed a fraud complaint and they denied me twice. This was a fraudulent deposit and I do not feel that I am responsible for that or the transactions. What is insurance and liability for if thats the case Ive been a member for XXXX years and I think that I shouldve been covered.
Product: Debt collection

This complaint is in regard to intentional deception and fraud activity by XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX adopted the policy of deceiving and giving false information to the costumers to open credit line with XXXX, while contracting with another debt collector company with 25 % extra hiding fee. 
On early morning of XX/XX/XXXX I went to XXXX to buy 1 front passenger tire due to bad alignment. When the sales person insisted they have special promotion for 4 tires, eventhough I have replaced them in XXXX. He broke down the number with coupon and added unnecessary items every couple of minutes. During this time I asked about the price he told me more than {$1000.00}, and again he insisted XXXX has it's own plan & I will pay within a year, As it shows on the statement I was going to pay cash, but he asked for my credit /debit card information and business checking information and all the details and put me on the phone with XXXX Credit card center. He got access to my phone to downloads the XXXX App to use it for future payments. He also told me I will receive the statement in 90 days. After almost 6 hours in the store I got the car back. I tried to log into the App within a week for payment without any success. since I haven't received any statement to pay the balance I called the store couple of times to talk to the sale person but he wasn't there. ( I found out he left the company permanently ). I believed XXXX charged my XXXX Card, since I did not received any XXXX credit card. On my XX/XX/XXXX XXXX account statement I noticed weekly withdrawal of {$39.00} from my business account by XXXX XXXX as early as XX/XX/XXXX for over {$1000.00}, and since the balance was less than {$3000.00} I was charged with late fees {$18.00} for several months. Since I didn't recognized the charges I asked the bank to put hold on the payment. Per Bank policy I called XXXX XXXX when I was told they are collection agency for XXXX Tire! and they are charging me 25 % fees. Eventhough there was not any issue of late/ unavailable fund. Since then I'm getting numerous threating text massages as well as phone calls that XXXX XXXX is going to seize their property ( tires )! I have never been informed that I have leased the tires, neither knew the XXXX XXXX. This case damaged my credit report and my business reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 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, Company 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 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 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

Notified Transunion that I received a fraud alet from another service I use and when I checked I saw 2 hard inquiries that were not mine ( fraudulent ) and to immediately remove them. They are : 1. XXXX XXXX XXXX on XX/XX/2023 2. XXXX XXXX on XX/XX/2023 I monitor my credit and these were shown to me on a fraud alert and I notified transunion and want them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX
Product: Mortgage

I am a XXXX XXXX veteran with honors and I have a great fiduciary relationship with the bank for many years until Covid-19 National Disaster impacted my life financially unemployed and they are putting me and my family in harms way. The owner of my loan XXXX XXXX  XXXX XXXX XXXX XXXX wants to foreclose despite violating Federal Debt Collections Practices act by refusing to accept {$13000.00} payment via phone on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Rushmore Loan Management Services LLC denied my loan Modification trial and misrepresented the truth that my income is {$3300.00} with low surplus still, I mailed them 45 pages of data proof and I am appealing for 5 reasons : 1. Page four of my annual profit & loss states {$4500.00} in rental income I left my primary and rented it for revenue plus I now have over {$30000.00} in my bank account ; 2. I own a XXXX condo free and clear valued at {$150000.00} and renting another one this month for additional rental income ; 3 .I have no excess obligations, no credit cards, no vehicle ; 4. I have never been approved in the past for a modification with this servicing bank ; 5. I am still Chapter XXXX Bankruptcy confirmation case # XXXX Judge XXXX XXXX and i applied for a {$55000.00} grant with the FLORIDA HOME OWNER ASSISTANCE FUND phone XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 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 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit card

The company has on my credit report multiple months that the account was charged offer when they only charged it off one time. Inaccurate information on my credit report. I was also not notified of the charge off. I also never received the tax documents to report is as income.
Product: Checking or savings account

Bank Of America said I opened an account that I did not open
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM : XXXX XXXX XXXX XXXX added a derogatory Mark on my credit, and needs to be removed. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX and have all my XXXX  bills and report Saying that i cant work and Unable to work during all this time until XX/XX/XXXX. I spoke to them all already and still put Collection on my credit report that is Illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXAccount # XXXX XXXXAccount # XXXX
Product: Student loan

I have had multiple issues with my loans since they were switched to MOHELA. First, the loan payoff calculator was not working on the site. So when I tried to pay off a loan in full, I accrued interest during the time the payment processed and was unable to fully pay off the loan. When I called MOHELA, I waited for over an hour, then got disconnected, and no one called me back ( despite asking me for a call back number in case of disconnection ). I then sent a message through the portal, and the response was that I had already called about this issue and to call again with further questions. When I replied to that email, I received a standardized answer detailing loan repayment. 

The larger issue is accruing interest. I am in repayment and on the SAVE plan. I made my payment ( the full required payment ) on XX/XX/XXXX ( was due XX/XX/XXXX ). Under SAVE, the remaining interest is supposed to be forgiven. I have continued to accrue interest since this payment. When I called MOHELA, I was told that they do not know when remaining interest will be forgiven and that I must log on daily to check my account and time it correctly in order to make additional payments that would go towards my principle balance. There was no further suggestions on how to predict when this would happen. I have checked my account daily, and continued to accrue interest. Today ( XXXX ) my interest for each loan has gone down, but is still not XXXX. So any additional payments would still go towards the interest. I received documentation from MOHELA detailing the SAVE plan, yet this is not what is happening. This is hundreds to thousands of dollars that we are playing around with, and MOHELA is taking no responsibility and has no answers as to why the interest has not been forgiven. 

It is very frustrating to call the loan servicer and have no answers. I am working hard to pay off these loans, and it will be impossible if the interest is not forgiven as it should be. I also don't feel I should have to log in DAILY to check to see if and when this happens. Especially since I have no idea what to expect, or when I've missed the window for when it should be forgiven- does it restart on the XXXX each month? After a payment? There has been no clear communication for borrowers. MOHELA 's communication and customer service is unacceptable. It seems like they are purposely not forgiving interest so that they can make more money.
Product: Credit card or prepaid card

The Credit Card Company Refused to Close the Credit Card Account on XX/XX/2023 and have charged the Cardholder late Charges. 

The Credit Card was requested closed by the Cardhold and the Person Filing the Complaint. The customer service worker refused to completed the Cardholder 's request. The Credit Card has been paid off and only the open account monthly fees were billed, similar to debit card fees. Keeping the account open was nolonger useful and Frivolous spending. The Credit Card Company charged the Cardholder 's Account twice for latest fees while available credit for the monthly fees were on the Cardholder 's Account Balance. On dates XX/XX/2023 available credit of {$55.00}, was taken for a {$41.00} monthly payment and a late fee was charged to the Cardholder 's account. and XX/XX/2023 available credit of {$45.00} was taken for a monthly payment and a late fee was charged to the Cardholder 's account by the Credit Card Company. I am not sure of the accuracy, it should show on the monthly statements. The Credit Card Company never returned the available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of an account and several inquiries appearing on my credit report that do not belong to me. I found out today XX/XX/20 because I had my credit ran to see if I pre-qualified for a home loan. I had no idea these inquiries and account were on my credit report because that are not mine and I didn't give anyone else permission to open this account or make these inquiries in my name. I don't know who is responsible for this but I have already filed a police report. I do not have any written/verbal contract with any of the companies listed on this report and I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit. I have filed a complaint with the CFPB regarding these inquiries and account that were opened without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in XXXX XXXX XXXX ) is FRAUDULENT!!! REMOVE FROM ALL CREDIT FILES IMMEDIATELY! LAW ENFORCEMENT FILE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX Date XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I made a payment on my credit card on XXXX. Approximately, 3 minutes later I attempted to make an additional payment on this same account as I realized the auto payment would not draft as the manual payment exceeded the auto payment. As a result additional payment would be required in order to avoid interest. Well, when i attempted to make the second payment I received a pop up message indicating I have reached my daily limit to make additional online payments to the same account. In order to process another payment I will need to call their XXXX # or I have to make payment from a Wells Fargo account. 

This bank has very suspicious processes around payments, including when making partial payments between statements.
Product: Credit card or prepaid card

I found out today ( XX/XX/XXXX ) via an email ( attached ) from Bank of America that it closed my credit card, one that I have had since XX/XX/XXXX. I called the Bank to find out why they closed my credit card and was transferred several times, before someone could respond. But, that person merely said it may have been due to primarily making minimum payments on my credit card ( but I also typically make large payments periodically throughout the year ) and also may be due to certain other " metrics '' that didnt seem to pertain to me. He listed several possibilities, none of which applied to my historical credit patterns. I have not been late on this credit card or any other loan for years, except this month. I was three days late on the payment to the Bank of America credit card this month. The payment was due on the XXXX and I paid it on the XXXX ( it posted on the XXXX ) - a simple oversight that has not happened for years and would not have happened if Bank of America had an intuitive automatic payment system and if I wasnt in the process of moving. My current credit report shows a perfect payment history on this and my other credit cards and loans. Also, I am not maxed out on any of my credit cards I maintain less than 70 % average usage of my revolving debt. Ironically enough, I received a mortgage offer ( also attached ) from Bank of America just this morning, before I received the email that it closed my credit card account! My primary concerns are that this account closure, through no fault of my own, will hurt my good credit score, which I have worked hard to maintain, and that it will prevent me from obtaining credit at a fair interest rate going forward. As this is one of my oldest accounts, it is sure to have a major impact on my credit score. Lastly, I can not help but be concerned that this is an act of discrimination on the basis of my XXXX surname because I see no sound business reason for this action.
Product: Debt collection

Debt was paid in full. After an accident in XX/XX/2019, XXXX indurance paid off the value of the car. The Gap insurance paid off the balance to close out the account. I notified Ally Financial in writing that Gap Total Warranty agreed to pay off the entire balance. After confirmation from Gap total warranty I get a bill from Ally Financial that they are charging me an additional {$210.00} for???? The claim was settled and paid weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am NOT financially responsible for the real estate mortgage loan with Truist Bank formerly Suntrust Bank opened on XXXX in the amount of {$32000.00}. It belonged to my mother. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with XXXX and XXXX. Truist bank is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that TRUIST bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX  XXXX, XXXX  inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX  XXXX  . My current and only address is XXXX   XXXX  XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address  above. Please remove any telephone numbers that not XXXX