23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports my ( XXXX XXXX ) being late for payments for XX/XX/year> and XX/XX/year> but for which payments are made as always, and for which there was no notice or letter even after 30 days being late. 
Bank 's representatives make clear that they don't care about reason or about issue or even the error from their side. They are not willing to investigate issue and they don't want to assist even after mentioning system ( website payment page ) issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX. this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed XXXX XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XXXX XXXX charge off is not mine XXXX XXXX  opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account name, 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, credit repair services, or other personal consumer reports

On XX/XX/2018 A secured credit card with CITI bank was Fraudulently opened by roommates who stole and compromised my personal information such as my social security card and personal documents to open fraudulent bank accounts and credit cards in a fraud scheme. I have attempted multiple avenues of approach to try to get this account removed from my credit report such as disputing with the credit bureaus and Citi bank multiple times, Filed a FTC identity theft affidavit and sent it to Citi, Filed a XXXX complaint, paid off the full Balance allegedly owed and then disputed again still no favorable results. Citi bank has responded saying the account was funded and payments were processed from a checking account in my name from XXXX bank so I will be held responsible for the debt, when I explained that the chase bank account was fraudulent as well. This credit card trade line has hindered me access to credit due to its erroneous reporting and I'm am beyond frustrated and Need help to get this fraudulent account removed from my credit report. Citi Has been very uncooperative and can't furnish any documentation such as my signature of any account agreements or driver 's license on file to prove that the account was not fraudulent.
Product: Credit card or prepaid card

I closed my Citi XXXX XXXX XXXX XXXX account on XXXX XX/XX/2019. Then I called citi bank to transfer my Citi Thank You points from Citi XXXX account to Citi XXXX XXXX XXXX XXXX account.

Agent told me that approx. XXXX Thank You Points will expire on XXXX XXXX so I redeemed approx. XXXX points by XXXX XXXX. 

But another XXXX points expired on XXXX XXXX. I was not aware about this and neither I got any notification regarding this. I was acting on the information given by Citibank Rep. 

Also, on XXXX, there is no way to check how many points are expiring. So I could not have known the exact amount of points getting expired.
Product: Checking or savings account

Deposit funds in my account and was declined in public with great humiliation and embarrassment, after 3 days of disputing the discrepancies I decided to close my account. This is the second checking account with this Bank, the person on my first account pulled all finds out of my account and absconded changing my information, I had no contact from the bank addressing the issue. I have been contacted by the bank informing me of a negative account, I asked them to please have someone of authority to return my call to resolve the issue. It has been 5 days and have not received a call.
Product: Debt collection

LVNV FUNDING LLC Last reported XX/XX/XXXX {$920.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX I have no idea what either of these are? I have no account with them and have never had an account with them! After my spouse past XXXX mistaken him for me and from that point things were all jumbled up and I don't know if he had these bit si definitely did not... ..XXXX filed me deceased And he was the one and now im finding things I have no knowledge of on my credit report ... .please help me I have tried everything
Product: Debt collection

Original debt is over 20 years old. Was sent to collections. Was included in a bankruptcy that was discharged fully. Is being re-aged and appears as current delinquency on my credit report.
Product: Mortgage

Company : Amerisave Mortgage Corp. 
Initial contact date : XX/XX/XXXX Cancelled Refi Process : XX/XX/XXXX Application Fee : {$500.00} which they took immediately Amerisave was supposed to refi my mortgage, but eventually would not take my calls or answer my emails. They initially had no problem taking the {$500.00} app fee ( non-refundable ) and getting my paperwork. After that, very limited communication and then no communication with the sales rep. He eventually emailed me to contact the Processor, who said she was not at my file, at a meeting, or not able to get me any information, week after week. This whole process went on for nine weeks. I finally cancelled on XX/XX/XXXX, and asked my sales rep for a refund of the app fee. He said he would ask his manager, and never got back with me. This company is back to its old bait and switch tactics, as it was in XXXX, Ive learned. They are a scam and just want your {$500.00}, then have nothing to do with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the deptor and they said my account of {$36.00} has a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for close to XXXX months now. When I attempt to perform any respective action online, the website provides an error stating " We're unable to complete your request online. '' I have reached out to the company on a great many occasions to fix this issue ( XXXX instances ), both by phone and online ( with saved chat transcripts ). I have been told that Transunion is cognizant of the issue, and that someone will reach out to ameliorate the problem. The company continues to willfully ignore the problem to this day. I have spoken to several supervisors at the firm, notably " XXXX '' ( employee ID # XXXX ) and XXXX, these individuals acknowledged the problem yet absolutely nothing has been done to solve this issue. I have a legal right to access this credit report, dispute issues/inaccuracies on said report and be able to access this report online. Transunion is deliberately preventing me from doing so, and violating my rights. 
Transunion was contacted by my law firm via certified mail on XXXX XXXX XXXX to which they replied that they would rectify the matter, we have their response in writing. Shockingly, to this date, they have willfully done absolutely nothing. They are legally required to allow me access to my credit report and their continued and deliberate failure to do so is unacceptable. 
On numerous occasions, spanning from XXXX XXXX XXXX XXXX XXXX I have reached out to the company to fix this issue, both by phone and on their chat portal. Transunion responded in the past that they are unable to identify who I am and can not locate a report for me but they responded via writing to my law firm acknowledging exactly who I am and that they will fix this issue. They are lying and being dishonest to the CFPB. 
Additionally and concernedly, there were comments made to me by this firm that I felt were racially biased, and that is why they are treating me in this manner. They have not done anything to allow me to access my credit report and they are continuing to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and were not authorized by me. I believe this is an extreme lack of security in your company. I need is a violation I believe this is an extreme lack of security in your company. And a violation of my rights. 

1 ) XXXX XXXX Inquiry : XXXX XXXX, XXXX 2 ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXXnquiry XXXX XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, we were reported 30 days late on our XXXXXXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan from One Main Financial in 2019 and they added extra fees. Am I eligible for any money back. I have paid off the entire loan.
Product: Credit reporting or other personal consumer reports

CKS Prime Investments placed delinquency charges on my credit report claiming they brought my account from XXXX XXXX due to my unexpected financial difficulties. They claimed I missed a payment and the balance they reported is not even correct due to the new negotiated amount with the correct company who brought the account from XXXX XXXX. CKS Prime Investments sent me a letter dated XX/XX/year>. The balance they reported was : {$7400.00}. The issue is XXXX has been negotiating the same account with a company named Velocity Investments LLC and I have a letter from them dated XX/XX/year>. And it shows proof of them accepting the negotiated amount of : {$3400.00} and payments have been made. I have proof of payments and balances. I only found out about CKS Prime Investments because I just started trying to refinance my house, but the bank told me of a delinquency was reported on my account coded that its in collections. I am soooooo confused and I have been in contact with all three credit bureaus. I recently discovered the details of what CKS had reported because I received a letter from XXXX today. CKS Prime Investments are reporting false information on my credit report causing damage and delays for refinancing. And the information they are reporting is not even true. Please help.
Product: Vehicle loan or lease

XXXX  Charged off XXXX Never reported under the fair crediting act to XXXX XXXX nor did they formally request any payment on the charge off. 
Payoff sent to XXXX  in the sale of his home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  MN XXXX Credit Control LLC has a potential for being investigated for fraud over this particular charge off, Also reported identitytheft and they never responded properly.Records indicate this loan was paid by another financial institution according to the creditbureauas well.
Product: Checking or savings account

Was solicited by citizens bank to open a checking and savings account. Finally did this early XXXX with help from a teller. And with the promise of a {$600.00} signup bonus. This is the first sign they weren't willing to pay this because the monies should have been in my account by XXXX according to their own schedule on their paperwork. They weren't. So late XXXX I contacted them and was told they would send something to the marketing department. Finally by XXXX is when they deposited {$300.00} into my checking account. I inquired about the other {$300.00} and was told it was because I had done the checking account deposit requirement in 2 increments. I pointed out to that no where in their own paperwork Does it say it has to be in one deposit. I have contacted the CEO as well as the CEO of marketing. I haven't heard back from either.
Product: Debt collection

Frost Arnett Co has been calling every day, multiple times a day for months. I've told them I can not answer during work hours ( XXXX ) and they still call. I've blocked multiple numbers they call from as to not interfere with my job, but they call from new numbers every day. They've not only discussed my medical debt, they actively aggravate my medical condition that caused the debt in the first place.
Product: Debt collection

On XX/XX/2023 someone else at my location answered the call, and they asked for me by first name only and then gave them my birthdate and last XXXX of my social. I feel like this information should not be shared and its an improper way to confirm someones identity as social security numbers are not public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 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: Checking or savings account

XX/XX/XXXX. The App is having Problem in which i contact support. In which they respond and say the app is having issues and to wait XX/XX/XXXX. I ask for an update they say they are fixing on it. 

XX/XX/XXXX They tell me they have a fix for the first issue but now my account says it can be verified so its blocked. They tell me its a technical issue to log out and essentailly reboot the app. Overall it didnt work and they said they would work on it XX/XX/XXXX They tell me they are still working on it but i ask for a timeframe and nothing XX/XX/XXXX I ask for the closure of my account and the withdrawl of all my money. No answer. I also mention if they didnot answer in a timely manner i would start a complaint on here. 

Overall they have not been very helpful and i just want my money out becuase i know the app is working for other people and its really sad after months they cant fix this simple issue when it was brought up multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had a personal loan through Sofi for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from Sofi. We feel that our request is reasonable but Sofi is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
Product: Mortgage

Newrez / Shellpoint / Specialized Loan Services ( SLS ), XXXX shows the account is OPEN / never late with $ XXXX in balance. The account should show Closed, paid in full, never late. When selling the home the lawyer contacted SLS for payoff instructions and followed those instructions on XX/XX/2024. Apparently SLS/Shellpoint/Newrez couldn't for see that during their transition after acquiring SLS they may need to place a hold on all incoming payments and payoffs in their notices. But, in my case the last payment on the credit report is show as XX/XX/2024? They did not include the credit bureau ( s ) when they sent notification as paid in full XX/XX/2024. I understand they may have to wait until their system updates the credit bureau. I tried to fix this going threw XXXX with no change. XXXX stated even with the documents I provided they must show the information shown by the reporting company. When I recently attempted to contact SLS by phone their representative stated they have no record of me or my account. I submitted XXXX disputes threw XXXX about the balance and the account being open. On XX/XX/XXXX and again on XX/XX/XXXX. Both times SLS / Newrez / Shellpoint response and report to XXXX was the same. " account open/ never late, balance $ XXXX, last payment XX/XX/2024. It is now XX/XX/2024. Their incorrect updates are effecting my ability to purchase the home I planned on when selling the original home in XXXX. I can not move forward until they report the correct status of my account. They did complete the update to my account in their system as they stated in their reply threw CFPB. However, they did not address all the underline issues. Mainly that they have left the balance in its total on my credit report. From XXXX the final payoff, thru now XXXX.
Product: Checking or savings account

My claim was denied claiming the ip address for the claim came from my address. After I showed them and told them how I lost my phone which my case is my wallet at my residence. So of course the ip address was in that location its an apartment complex anyone could have taken it and used it here. I re ordered and canceled cards upon discovery.
Product: Mortgage

My husband and I refinanced our home in XXXX through a company called XXXX XXXX XXXX. It was bought out by another company called Mr. Cooper in XXXX. We made an extra payment of {$1300.00} that was supposed to be transferred over to Mr. Cooper ; however, they stated that they did not receive it. After calling them and disputing the situation, they found the money, and on XX/XX/2021, they sent an email that they have the money, and it was forwarded to Account services to apply the funds. We received a statement on XX/XX/2021 that said that our payment was due on XX/XX/2021, which was the correct date that it was due since the extra mortgage payment was applied. We were content and thought everything was taken care of. In XXXX, we check our online account, and suddenly our payment changed to XX/XX/2021. My husband called in the evening, and Mr. Cooper 's representative told him that the money was put in the wrong account number. I called again in the morning that same day, and they said it was still in the account services department being processed, which has been there since XX/XX/2021, according to the last email. According to XXXX from escalation, it will take XXXX business days. If that's the truth, it should have already been taken care of in XXXX. This company has many complaints on the XXXX, and I have made another complaint to the Attorney General. We are tired of dealing with this companies ' disorganization and would like the agency to reach out to them and monitor their business practices, so other consumers do not have the same fate.
Product: Money transfer, virtual currency, or money service

I have become aware of a recurring ACH debit from my XXXX account. It is unauthorized and has been occurring on the XXXX of every month, from XX/XX/2021 to today. This debit is listed as XXXX XXXX and is in the amount of XXXX ( XXXX XXXX  and XXXX XXXX  ). 
I am not receiving services or products for this monthly transaction. I contacted PayPal and they said I would have to contact the merchant to cancel it. I used their provided contact info and it went to an undeliverable address. PayPal offers no other resolution. I have filed a dispute with my bank but they alerted me this wont stop the ACH. XXXX is effectively stealing money from my account with no way to manage it. Since the amount is small it has gone undetected for quite some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it XXXX concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 Americredit XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

I have been trying to get my hardship application approved through PenFed, but they keep saying theyre behind and it will take three weeks. Ive been battling XXXX since XXXX ( reinfected ) and have had reduced pay until I can test negative. PenFed said they were behind three weeks back in XXXX. Its almost XXXX, I need relief. 

I had the title of the vehicle sent by certified mail in XXXX. They received the tracking number and a photo of the receipt from USPS. Im still being called by them daily to inquire about it. It was sent to them last month, they should have it. 

My tags were registered in the wrong state. I requested that the dealership ( XXXX XXXX XXXX ) do Virginia tags, but they gave me Maryland in stead. They told me I have to go through the lender to correct it. I spoke with someone at PenFed who said the titling department will handle it, but have they need the title first. 

Ive done all I could by sending what was requested with no results.