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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 am owed {$3500.00} USD from a XXXX XXXX XXXX in XXXX. She completed a XXXX XXXX XXXX Transfer to my American checking account ( Bank of America ) on XX/XX/year>. XXXX XXXX  says the transaction was completed, but Bank of America claims they never received the funds. At this point, I have reached out to XXXX XXXX  and they won't provide further information. The sender claims she has filed a claim with XXXX XXXX  wire department too. The reference number for the wire transaction is XXXX. I have provided this reference number to XXXX XXXX XXXXXXXX several times, but they are unwilling to pursue a claim since I am not a XXXX XXXX Customer. I have reached out to Bank of America and they have told me that the ball is in XXXX XXXXXXXXXXXX XXXX  court and they can't do anything about it. I can only take the sender for her word, but I have no clue if a claim was ever really filed or whether an actual investigation is currently being conducted as both the sender and the sender 's bank ( XXXXXXXX XXXX  XXXX ) are not being cooperative. I urgently need these funds. Can you assist with getting both parties to look into this. 

Regards, XXXX
Product: Credit card or prepaid card

I ATTEMPTED TO CONTACT THE CREDIT CARD COMPANY Care Credit ( Synchrony ). I WAS GIVEN THE RUN AROUND FOR OVER 6 MONTHS. THE TERMS SHOULD HAVE BEEN OVER 36 months. The payment should have been around XXXX but instead I paid for 8 months XXXX every month. I WAS TOLD THAT IS WOULD BE FIXED. I CALLED REPEATEDLY was told that that department did not have a direct number. I stop making the payments until they fix the issues. I also let them know that no fees should apply since it was their fault. Well now they have attached tremendous fee 's and I still can't get these matters fixed. They have report this to the credit Bureau. Occurred XX/XX/21 till current...
Product: Checking or savings account

From XX/XX/XXXX through XX/XX/XXXX Chase Bank has charged me insufficient funds fees nine times ( 9 ) times at {$34.00} for each insufficient fee. I have communicated with Chase bank asking them why they keep debiting the account when they know that there are insufficient funds in the account to cover any transactions as the account was already negative. Their response is usually incoherent or something to the effect like that is the Bank 's policy. The resulting effect is that within less than two weeks I incurred fees totaling more than {$300.00} from Chase. 
I have expressed to the bank that their system of imposing insufficient fees is oppressive to a small business owner like myself because the Bank clearly has a profit motive in paying for electronic debits to the account, even when it has been apparent for many days, that the account lack sufficient funds to cover these transactions. Furthermore CHASE is also being exploitative to consumer when it's policy is to pay for the largest debit transactions first, and not transactions that are first in time. Their system guarantees insufficient fees will be imposed for more transactions and even for the smallest transactions. Sometimes I am even required to pay {$34.00} for debit transactions that are as small as {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Debt collection

My mother XXXX XXXX XXXX XXXX : XXXX  ) has XXXX 's and lives in a XXXX XXXX She is a widow and alone. This company XXXX has been withdrawing {$110.00} allegedly for Home Coverage and {$140.00} for Vehicle coverage every month for the last year. My mother does not drive. Despite multiple attempts by the bank to stop them from withdrawing the money from my mom who is poor, XXXX continues to take this money from her. Every time we have the money reversed, XXXX goes back and takes it again. We have paid to stop payment to no avail. My mother has XXXX XXXX and this company is taking advantage of her medical condition, her lack of capacity and inability to fight to recover money that she so badly needs for her own survival. Please help get the money back and prevent XXXX from taking advantage of an XXXX person with XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

Back in I believe between XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX I can not recall the actual date of the payoff but the payoff was made in two payments. When we called Conns and spoke with a Conns Team member she researched and found that the payments at one time where being applied to my husbands account. They told me and my husband that they were going to research and find the payments and get back to us and they never got back with us. Please help me.
Product: Credit card

1. When I make a payment on-line, US Bank does not expose that payment on the site. There is no record of the payment until US Bank processes it which could be a day or two later. For example : I made the payment on-line on XX/XX/XXXX, immediately after making the payment I look around for the record to confirm the details of the payment, but I can't find any record of it ; and I look the next day, and it's still not posted. Essentially, I have no record of the payment until US Bank gets around to processing it a day or two later. 
2. My due date is, for example, XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX  Central Time, I log in to US Bank website and pay my bill. US Bank considers it a late payment because it was after XXXX XXXX  Central time. I was told it was because they don't process any payment that comes in after XXXX XXXX  until the next day. The late fee is {$41.00}. This policy is not noted anywhere on the website and when a payment finally posts to the internet it doesn't include a posted " time '', so you can't defend yourself from the late fee should you have paid it at XXXX XXXX  Central time. How could you prove it? 
4. When I asked to speak with a supervisor I was told that they would send a message to the supervisor and I would need to " make myself available '' to receive a call the next day if I wanted to rebut the late fee charge. I couldn't just submit the request over the phone and there was no other avenue to do so. I explained that I worked and would not be able to " make myself available '' for an unscheduled incoming call for non-work related business during my work hours. I was told it was the only way I could request a refund for my late fee. 
5. US Bank does not offer any way to submit a ticket or send an email when you have an issue, it's only by phone during US Bank hours and there is no immediate escalation process in place.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Debt collection

For over 2 years now, get recorded calls from XXXX that just says 'hello ' & then disconnects. Do n't know from whom or why. 
I do n't have any debt, including mortgage or car payments. I pay all my bills on time. Do n't know what this is about. Please help to stop these calls.
Product: Credit reporting or other personal consumer reports

Could you please remove these inquiries? I have no knowledge of them, and the company did it without my consent.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX and Experian regarding the balance of my closed XXXX account. It shows I owe {$8.00} but I had a check printed and sent directly through my XXXX account to XXXX. 
XXXX shows the transaction is completed ie XXXX cashed the check for {$8.00} so the balance should now reflect that the account was paid and I owe nothing, {$0.00}. 
I disputed the amount on my XXXX account so it would show I no longer owe {$8.00} but XXXX informed XXXX and Experian that the account information they had was correct. It is not. 
I dont owe XXXX {$8.00}. It is paid in full.
Product: Credit reporting or other personal consumer reports

This hard inquiries are not authorized by me 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 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: Mortgage

My home mortgage was sold to Shellpoint Mortgage Servicing earlier this year. In the last month or so I've received 2 letters telling me they don't have proof of hazard insurance for our property and will be taking out their own policy. I've had hazard insurance since XXXX. My insurance company has submitted proof of insurance 3 times this year. Shellpoint continues to deny they have received it. Now they have sent me a letter telling me they are adding a {$640.00} escrow fee to my mortgage payment to cover hazard insurance that I already have. 

My insurance agent sent another copy of my hazard insurance policy today ( XX/XX/XXXX ). I followed up with a phone call today and after a long time on hold was told they still don't have any proof of insurance. 

Please tell me how to proceed to prevent pay this unnecessary escrow fee.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX and TransUnion credit file. 
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: Debt collection

LVNV funding likes to pass its debts between several of its own companies. They attempted to sue me in court and lost. I have an order of dismissal that was granted on XXXX XX/XX/2023. They were represented in court by an attorney and despite losing the case they chose to continue to report it and now outsource it to a company called XXXX XXXX XXXX XXXX received an email with the judge 's findings. A court has ruled on this case and despite having lost they continue to try and wreck my credit, harass me and just act dishonestly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response.
Product: Vehicle loan or lease

If we would of known we can complain here we would of done it at the moment. The problem was with Fifth third Bank. It is a little long to write here would prefer phone call to explain, but a little is since the first month of the payment due we were wrongly charged late fees us nit being aware that the first payment was not applied do to it was not withdrawn from iyr bank account and from there were charged every month a late fee for that very first month for over 2 years. Every month was a late payment charge ys not being aware until approximately a year later if that late payment. Us thinking we were on time every month abd up to date. When we received our first xmcall with that nonsense after arguing our right abd trying to get them to understand we ended up paying the late fees around one thousand dollars. They kept calling after that! Claiming we were behind again and every month was a new late payment since they consider every month to be behind a month. My husband is XXXX and would get translaters and were really rude. I really wish we had the dates abd names of workers but we dont. He was treated wrong and once they even hung up on us since a English person answered he was asking me what the my were saying abd they hung up when they heard me translate because they said there could not be others in background speaking. I did threaten to sue and i would of if i knew Consumer financial protection bureau existed at the time. I believe my husband deserves more. He did receive a settlement for the lawsuit against high interest rate for XXXX, but i do think our situation with them was stressful the time we had that vehicle with them.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Original Creditor and Natural Man hereby rescind my consent to be liable to perform on the contract agreement i entered with Enterprise Car Sales on XXXX XXXX. 
I entered into this contract agreement with XXXX XXXX XXXX without XXXX ). Full disclosure of my right to rescind XXXX ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that DEALERSHIP willingly and knowingly took advantage of me and my consumer credit. 
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission i am not liable for any finance or other charge. 
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 
In addition, I was given false and deceptive information ( violation of 1692e ) as i was told that a down payment of { {$4200.00} } was needed in order to drive off of the lot. 
Pursuant to 15 usc 1605a - a finance charge is sum of all charges. 
Down Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting Experian via phone at XXXX to speak with a live representative regarding an Auto financing company showing on my credit report. I don't even own a car or have I tried buying a car and never co-signed for anyone else to buy a car. I was not able to speak to anyone at the Experian credit bureau nor was given the option to do so because the telemated machine just takes over and if you don't select what it is offering you will be disconnected. I have spoken to a few representatives at Consumer Financial regarding this issue because they were the ones who gave me the phone numbers to all 3 credit bureaus to hopefully speak to someone about any items listed on my credit report and get this issue resolved. I was not able to speak with a live person and my issue still has not been solved. Consumer Financial informed me to visit this site and start a complaint.

Thank you
Product: Credit reporting or other personal consumer reports

I request the removal of the following inquiries from my record. I did not authorize or recognize these inquiries, and it appears that someone may have used my personal information without my consent to initiate them. 

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, credit repair services, or other personal consumer reports

I did not authorize or consent to the following accounts being furnished on my consumer reports. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called TransUnion multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to TransUnion with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from TransUnion that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( XXXX XXXX ) so that they change the SSN to the correct one. The next day, I contact XXXX XXXX and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that TransUnion is still reporting the wrong one. On XX/XX/XXXX, I call TransUnion again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from TransUnion saying that they went in and fixed my social security number, but my creditors ( XXXX XXXX and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with XXXX XXXX on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial complaint and Request : Experian, XXXX of the XXXX more " credible '' credit bureaus, has been charging my credit card {$14.00} each month beginning in XX/XX/XXXX without my knowledge until I double checked my statements for a specific charge and I noticed this pattern. I went to their website to work on disputing the charges and there way no way to do so, leading me to leave a message due to them requiring my full SSN which I do not feel comfortable providing randomly. And there has never been a " live agent '' when I sign in to directly chat with. Through my credit card company I disputed XXXX charge but I am unsure how much this will do. Ultimately, I never receive their services aside from my yearly free credit report and have not logged into my Experian profile after XXXX of XXXX. Found online that other 's have experienced this as well however receivers of testimonies/disputes have stopped accepting them. I would like the funds I was charged credited back into my account due to the fact that I was charged {$14.00} per month without my knowledge or authorization. Additionally I received no benefits from these charges as my subscription is still based on the " free '' membership parameters which it is classified as. Making it virtually impossible to dispute this charge directly with them along with the charges I was not disclosed of provides enough reason to be refunded what I have lost when it wasn't my financial choice in the first place. 
- XXXX from XX/XX/XXXX Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint you indicated that you did not authorize the referenced charges. As an initial matter, please note that XXXX  XXXX XXXX ( XXXX, also known as Experian XXXX XXXX XXXX ) and its product Experian XXXX XXXX is an affiliated company of Experian, the credit reporting agency. XXXX offers a variety of credit monitoring products that include online access to consumers personal credit reports and scores. Our records indicate that you are currently enrolled in a complimentary membership with Experian XXXX XXXX. Your membership benefits currently include access to your Experian report and XXXX XXXX once every XXXX days, free of charge, as well as monitoring alerts which are updated daily. After conducting a detailed search of our database, we are unable to locate the charges you reference in our systems using the information provided. In order to provide assistance, we are in need of additional information. Please provide us with the following : XXXX. The complete credit or debit card number that was billed XXXX. A bank statement showing the charges from our company Please fax the requested documents to : ( XXXX ) XXXX ATTN : Experian Consumer Affairs XXXX XXXX XXXX XXXX