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

Me and XXXX XXXX have tried to reach Equifax on reporting my revolving credit card for 4 months and nothing has happen. XXXX XXXX has reported for 4 months my revolving credit card to Equifax and they haven't put it on my credit report. I've attached a letter from XXXX XXXX stating they've tried contacting Equifax to get this resolved. I've also attached a copy of the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

these following inquiries were not authorized XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 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
Product: Credit reporting or other personal consumer reports

My information has been exposed on my Experian Credit Report to data Breach. I have things popping up on my credit report that is over 6 years old that appears on my credit report.
Product: Debt collection

Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.
Product: Credit card

On XX/XX/XXXX, I purchased XXXX for my daughter for {$4700.00} from XXXX XXXX XXXX, XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. The orthodontist sent me to the financial manager of the facility to help me with a financial plan. 
The dental manager steered me to Care Credit, assuring me I could use their no-interest installment plan. I accepted Care Credits financing and have diligently made monthly payments since XX/XX/XXXX. 
On XX/XX/XXXX, my remaining balance was {$700.00}, indicating that I had paid them XXXX. Since XX/XX/XXXX, I have paid an additional {$1100.00} for a total payout to Care Credit of {$5200.00}. However, I have just been told by Care Credit that on XX/XX/XXXX, without my notice, the balance due increased to {$2600.00} and I have been assessed a 26.99 % annual interest rate and my balance due is now {$2100.00}. 
When I spoke with Care Credits representative earlier today, I was informed that the interest-free period was promotional and lasted only XXXX years, after which interest charges applied. This crucial detail was not communicated to me by the dental manager, who only mentioned the interest-free aspect. In short, I was defrauded into Care Credits financing scheme. 
I would like the CFBP to compel XXXX XXXX XXXX  and their doctors, as well as Care Credit to recognize my debt to them has been fully paid, to refund the overcharges Care Credit has assessed me, to close my account with them without any additional payments from me, and finally, to stop these predatory loans and the deceptive practice of selling them to unsuspecting dental patients.
Product: Debt collection

I first learned of the debt of {$130.00} on XX/XX/XXXX from Transworld Systems Inc., that I did not know I owed. They immediately put this debt on my credit report prior to my knowledge of the debt. I tried to pay the debt and inadvertantly dated my check XX/XX/XXXX instead of XX/XX/XXXX. They returned the original payment slip with my check to my son with a letter stating he owed $ using the same account number. According to the original account at XXXX XXXX my son was XXXX at the time this debt occurred. I am not exactly sure what they are trying to do but I am sure they can not go after XXXX different people for the same debt. I also do not believe they followed proper procedures prior to reporting anything to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently disputed incorrect accounts on my credit report. its be over 30 plus days and i havent received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagshipcrdt obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX writing a complaint about inquiries and bank accounts that were not placed or opened by me and requested that these accounts be immediately removed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor.

Numerous unauthorized hard inquiries are also showing on my report.
Product: Mortgage

For the second time in two years, the servicing company, CIT Bank, has tried to force me to buy insurance on my home despite the fact that I have insurance in place. This year, the sent me a notice that was dated XX/XX/XXXX that stated my fire insurance policy had expired in XX/XX/XXXX. The letter stated that I had ten days to put in place a replacement or renewed policy or they would put their own policy in place at my expense. They chose not the mail the letter until XX/XX/XXXX ( I have the envelope showing the postmark date ), which is more than 10 days after the date of the letter and after the 10 day timeline they stated in their letter. I tried to call them to discuss but every phone number they provide is set up to only provide recorded messages. I can find no telephone number for this bank that will allow you to speak to a real person. The other problem with this situation is that my insurance policy runs from XX/XX/XXXX to XX/XX/XXXX. I do not have a policy that expires in XX/XX/XXXX. I submitted to their online portal my current policy, but they sent a response saying my submission was inaccurate or insufficient. The provided a number to call but again, that number only provides voice prompts and gives the caller no way to talk to a real person. Therefore, I have no idea why they deemed my submission of my accurate insurance policy as inaccurate or insufficient. How am I supposed to get this resolved if they refuse to allow me to talk to anyone in their organization?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number XXXX has violated 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
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX XXXX XXXX repeatedly abused consumer reports to generate false data points & reports through CFPB & abusing consumers fourth amendment rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the annual credit report and TransUnion was the only reporting agency that would not let me get access to my credit report.
Product: Checking or savings account

On XX/XX/2019, I went to a Chase bank branch in Downtown XXXX to cash a check. The amount of the check was too large to cash so I opened an account with the bank so that the check can be deposited and withdrawn. A few days later, I was unable to access my online banking account because it was locked due to suspicious activity. I called the number provided by my Chase banking app and there I was informed that my account will be closed and that Chase can no longer service me. When I asked why, they were unable to tell me and told me to wait 10 business days to receive my funds in the mail. Today is XX/XX/XXXX and I still haven't received my funds and to make matters worse, the representatives are telling me they will not release my funds to me until they can verify my check. I've called payroll and they informed that my check was cashed, so the bank cashed my check and will not release my funds and because they already cashed my check, I am unable to have the check cancelled so that I can receive a new one and get my funds else where. I provided the number for payroll to the representatives at Chase customer service, but they refuse to verify with payroll since it's not a number they were able to find theirselves.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX on XX/XX/XXXX the contract was {$27000.00} with a very high interest ( 13.19 % ) a whopping {$12000.00} Total interest for 72 months, with the promise to refinance after 12 months of on time payments which never happened my credit core at the time was XXXX the same score at time of purchase Everytime I requested to refinance I was denied by Wells Fargo dealer services, so I was forced too pay this high interest my loan maturity is XX/XX/XXXX I had three payments deferred to the end of the loan so it pushed my loan maturity to XX/XX/XXXX, I noticed my my balance was not getting much lower so I requested my transaction history when it arrived I was going through my payments which are {$580.00} a month, i noticed my interest was fluctuating from {$120.00} to {$500.00} on every payment! There were payments made and the full payment was posted toward interest nothing towards principal how can this be if every payment made your balance is reduced so your interest is less on a lower balance? I decided to payoff my loan on XX/XX/XXXX I paid {$4100.00} my balance should have been less than {$1800.00} but I was overcharged with poor accounting practices at Wells Fargo I was charged a total of {$14000.00} in interest thats half of the cost of the vehicle purchase & {$1400.00} above the contract interest for 72 months keep in mind I payed the loan off 4 months early I have attached copies of my transaction history which shows payments & interest applied for every payment made it makes zero sense on month Im charged {$200.00} in interest the following month Im charged {$500.00} in interest
Product: Credit card

In XXXX and XX/XX/year>, I noticed I was being charged {$1.00} for a " paper statement, '' from Lowes. I spoke to the Lowe 's manager in XXXX XXXX, MN who said it was Synchronicity Banks 's decision and Lowes had nothing to do with it. Since I had not been notified or asked if I wanted to pay an additional {$1.00} for Lowe's/ Synchronicity Bank 's cost of doing business expenses I called Synchronicity Bank too , and was told they would refund {$3.00} for XXXX and XXXX but they would not send a bill without charging the fee because I could pay my bill on line. I have had a 38 year history in banking and ABSOLUTELY will not be forced to use their on line pay ( unless they want to pay me and agree in writing be held responsible for losses due any hack they might experience. ) So I got a credit of {$3.00} to my XXXX statement which had no balance on it. So there is no way I can redeem my {$3.00} without charging and being forced to go on line or again be charged {$1.00}. I know it's not a big sum, but I refuse to be forced to use a computer to pay ; furthermore, I do not get my discount with Lowe 's unless I use their card. 
I also have an account with them through XXXX XXXX. That statement has last month, an additional XXXX cents charge on it. The statement is for a item that has a set monthly repayment amount on it. 
I did not agree to either of these fees and I am incensed that they, however small, can be charged after the fact and without my consent.
Product: Mortgage

First of all I am a widow and XXXX. my daughter came to visit me in XXXX and suggested I come to XXXX to live with her in the winter due to my XXXX. I agreed. I packed up my things but first went to visit her. She showed me a new home she wanted to buy saying it would be closer to her job. The closing took place during my visit and to my surprize she produced a gifting letter and insisted that I sign it. Well i wasnt sure what it was but she insisted again that it was noyhing for me to worry about. Promised her taxman would help avoid taxes and she promised to pay it back. Are you getting where this is going? I signed it. I headed back to XXXX and before I even got off the plane here comes her text messages saying she didnt think it would work out. I said ok but I have to get my money back. Time went by. She did send me {$500.00} and that was it. I did contact the closing company and they were not so nice and said too bad its a done deal.She actually was personal friends with the closing man. It totals to my loss as {$11000.00}. Is there any recourse besides civil court I can take. It was all the money i had and now she has me blocked and no communication at all.I am devistated and broke. Isnt there some sort of elder abuse or misrepresentation orfinancial exploytation in this mess. I cant seem to get any help ;
Product: Credit reporting or other personal consumer reports

XXXX : Late payments and inaccurate reporting dates XXXX XXXX XXXX XXXX XXXX or XXXX? 

I've disputed online and mailed the XXXX credit bureaus twice this year on investigating and updating the XXXX closed accounts for the payment statuses are inaccurately reporting on my credit report. All XXXX consumer agencies are reporting something different for each one however all continue to come back verified.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft and have had a fraudulent credit card and applications opened under my SSN. My Experian online account is also compromised. I have called repeatedly into the company to have them reset my account, but they just route me to their automated system that can't reset my account email or phone number. When I've reached employees in the fraud department, they've refused to put me in touch with an actual representative and just pushed me back into the automated system that can not help me. I had the same issue with both other credit reporting bureaus but Experian is the only one who refuses to help me to regain access to my Experian account so I can pursue credit disputes and monitor the ongoing identity theft issues under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have a credit card account with XXXX XXXX through XXXX and have set up auto pay on XX/XX/XXXX before the due pay day in XXXX so that when the pay day came the money would automatically be drawn from my account. Through every step of the autopay, I did screenshot what XXXX webpage was showing me confirming the auto pay was set up. I made sure to set the auto pay date a couple of days before the real due date. I received notifications stating the autopay was a success. I also received an email stating this. Now today XX/XX/XXXX past the due pay day I get a call from XXXX asking me if I was going to pay them that my pay is late. I was confused as I already expected my pay to have been done. The lady on the phone says that it was set up but it was XXXX my banks fault as to why it did not successfully go through. So I called XXXX and asked why did the autopay not go through if I had set it up? as we spoke live on the phone the representative sent a pin through the app which I confirmed allowing XXXX  representative to access my account and check for issues, as she finished checking she stated everything was good and said that there was nothing being held from their end stating I could use x amount of money in my account with ought a problem. She told me to call XXXX as it was that banks website and them who I had set up the auto pay with so I would have to speak with them again. So I called back asking for a supervisor which happened to be XXXX I gave her a summary of what was going on she went on to check the account and said that she could see it was set up for auto pay but that it did not go through, she said that the account that XXXX had which was XXXX XXXX or something of that sort did not work with XXXX  to take payments, so I asked if that was the case why did I not get notified of any of this, she then included saying it was a mistake in my routing info being wrong and I said to her that when you put wrong banking info it does not let you continue, I had already put a wrong number and had to re do the autopay again.the page would notify me something was wrong and would not let me proceed until the bank info matched my name for what was being filled out. I told her that I put everything down correct and the page said success then went to step 3 out of the 3 steps which was showing youre done! You have successfully set up automatic payments with a summary attached below stating the payment date I had selected. She filled out a dispute and said that I would receive a letter in the mail in conclusion to the investigation that would be held, but I dont think its ok that I did everything correct and got notified by them of these successful entries and ended with a late payment and my credit score impacted. I asked her for if I would receive an email or something to conclude what we had just spoken about she said no she could not provide an actual confirmation number besides her own work ID number XXXX she said to just wait for the mail.
Product: Debt collection

Account was put on credit report, causing loss, financial hardship and denial of credit. No proper deficiency
Product: Credit reporting or other personal consumer reports

This complaint is in regard to XXXX XXXX XXXX. I am formally alerting XXXX XXXX XXXX that as of today, this issue has been escalated to the state attorney general of Tennessee. Remove this account for inaccurate credit reporting and fraud. This account has already been removed from XXXX. I also want to inform XXXX XXXX XXXX that this matter will also be escalated via 'affidavit of fact ' as result of noncompliance. I have a standing legitimate reason that needs to be addressed. I am giving you one last opportunity. You are avoiding accountability and violating my federally protected rights.
Product: Mortgage

I am out of options and not sure where to turn next. After our initial mortgage company ( XXXX  XXXX XXXX ) sold our mortgage to XXXX, we made a large payment ( $ XXXX ) to help pay down the principal. Unfortunately, during this time XXXX decided to sell our mortgage again ( unbeknownst to us ) to Lakeview. XXXX shows the regular payment we made AND the additional payment we made. However, Lakeview is not showing these payments. I have been on the phone with them for countless hours and get no where. They claim to need a transmittal ( which my bank- XXXX has never heard of ) to prove the deposit. I have sent them everything I can ( I spent over an hour on the phone with XXXX trying to get someone who could send me more but they have nothing else ) including our statement, but they still wont accept it. To be honest, they dont even need the transmittal because XXXX is the company that accepted the payment and transferred over the correct amount. 
When I have spoken with XXXX, they can only send me a spreadsheet with our correct account balance and assure me that they sent all the same information to Lakeview. 
After every attempt to speak with someone at Lakeview, I have NEVER ONCE been contacted back by a person. Even though every single time I call they promise to follow up within 24-48 hours. 

Below is a listing of the dates contacted and corresponding action ( or lack thereof ) so you can understand the great lengths and amount of time spent trying to rectify this infuriating situation : XXXX Notification via Voicemail from XXXX stating that they sold the account XXXX Called XXXX, got new loan servicer information and confirmed correct amount ( with large payment ) was transferred XXXX Called Lakeview ( 30 minutes ), initial request to correct amount, promised response in 1 week XXXX Set up account and made initial payment to Lakeview XXXX Set up autodraft to Lakeview XXXX Emailed Lakeview to request follow up to last weeks call XXXX Called XXXX, received report showing that correct amount was transferred, nothing else they could do XXXX Called Lakeview ( 28 minutes ) - 2nd verbal request, agent asked for statements and promised follow up XXXX Called Lakeview ( 16 minutes ) - 3rd verbal request XXXX agent promised follow up XXXX Called Lakeview ( 15 minutes ) - 4th verbal request, agent informed that Lakeview had closed the ticket due to not correct info but never informed me, agent reopened ticket and promised follow up XXXX Emailed Lakeview new bank information and information from XXXX XXXX Called Lakeview ( 22 minutes ) - 5th verbal request, agent promised follow up and advised to email in to the Office of the Customer ( president of the company ) XXXX Emailed Lakeview requesting that the president of the company look into our account XXXX Called Lakeview ( 22 minutes ) - 6th verbal request, agent promised follow up XXXX Email received from Lakeview saying they had escalated our case and we would hear back from them in 3 business days, no response was ever received
Product: Debt collection

AMERASSIST AR IS REPORTING CHARGES TO THE CREDIT BUREAUS AND CONTINUE TO ATTEMP TO COLLECT A DEBT FOR A PRODUCT I DID NOT RECEIVE. 
THE SERVICE IS FOR XXXX XXXX AND UPON RECEIPT OF THE ORDER, I PROMPTLY RETURNED THE PRODUCT AND CANCELLED MY ORDER FOR A FULL REFUND DUE TO THE DEFECT IN PRODUCTS UPON ARRIVAL. CALLS TO BOTH XXXX XXXX ASKING THEM TO LET AMERASSIST KNOW ABOUT THE CANCELLATION HAVE BEEN MADE AS WELL AS NUMEROUS EMAILS. AMERASSIST KEEPS REFERRING ME BACK TO XXXX XXXX. SO WE DO N CIRCLES. MEANWHILE, I AM NOT PAYING FOR A DEFECTIVE PRODUCT AND A SERVICE THAT I RETURNED, CANCELLED AND HAVE NOT USED.