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

Hello my name is XXXX XXXX XXXX my DOB XXXX SS XXXX I seen my new report this weekend and there are definitely something that are not right on my report. My address is XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I need the following addresses remove from my credit report. They are not mines : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX CT, XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Product: Checking or savings account

Multiple Fees ( NSF ) were charged to my account when the money was available AND checks were returned. NSF Charges came in after returned fees were applied to my account AND important checks ( Rent ) were held and then returned instead of paid, I called customer service for help and they only returned XXXX / XXXX fees ( {$29.00} ). I NEVER called for help with fees AND MY BI-WEEKLY paychecks amount to over {$10000.00} monthly! 

No need to return my checks
Product: Credit reporting or other personal consumer reports

Am involved in equifax data breach my personal information was exposed to million of people I ask equifax do a full investigation and they failed block to perform the investigation on the inaccurate and negative accounts here is a list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE AN ACCOUNT THAT DO NOT BELONG TO ME, IT IS LISTED BELOW WITH DETAILS : XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX  BALANCE XXXX. I ALSO NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO THEY ARE LISTED BELOW : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. PLEASE REMOVE THEM. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I sold a home and the buyers financing bank did not close escrow on the date anticipated. Escrow was 60 days and I have the buyers pre-approval letter, for my property, from the bank dated 64 days before anticipated closing. This cost me approximately 15 days of extra interest I had to pay on my mortgage loan. This cost me {$850.00}. 
I have contacted the bank as well as my real estate agent. There " official '' response was per real estate agent, they are declining reimbursement request, their reason is because I am not their customer and thus not a party to their transaction. They offer absolutely no responsibility for delays they caused and will not directly respond to me in writing other than the phone call that my real estate agent received with this information. 
I would like to pursue reimbursement of 15 days of interest. Thank you for any help. I am also not really sure what category to place this in.
Product: Checking or savings account

I have deposited my payroll checks several weeks ago that the bank just now has said they are bad checks My debit card was stolen so now I am upside down by {$7900.00} The XXXX XXXX somehow rolled that into my Mother 's account The XXXX XXXX has given out my personal information without my authorization
Product: Credit reporting or other personal consumer reports

I recently check my consumer credit file and noticed that XXXXXXXX XXXX XXXX XXXXXXXX is reporting without my consent. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an inaccuracy for years. I attended arbitration court and the arbitration judge indicate on XX/XX/XXXX. That all credit beaures need to delete XXXX XXXX and XXXX XXXX. As of XX/XX/XXXX all credit bureaus honored the judges request except Experian. I spoke to Experian on XX/XX/XXXX to see if they received the letter from arbitration. They indicated yes but all they can do is dispute the claim. I again called on Wednesday XX/XX/XXXX and XX/XX/XXXX and the only thing they stated was. 1 ) Yes they received the letter from the judge. 2 ) The only thing they can do is disput it because their a third party entity and the individual thats doing the disputing has no rights. The agency is always right and if they indicated it's should remain than it will remain inspire of a judges demand. Experian indicated to me on that Friday XX/XX/XXXX. The judges request has no jurisdiction if the individuals I'm disputing states it's factual than I'm over rules. I asked the representative in the dispute department to please repeat it so that their company recording could hear what is being said. Yes, Experian has all if my certified letters requesting XXXX, and XXXX XXXX  be removed along with the judges ruling but they refused. They are aware in several certified letters as well as my request for assistance for the 3rd time from CFPB that they are tarnishing my credit, my name, and I am paying a high interest rate on my car and I'm unable to purchase a home in a decent area due to this information on my record. Experian has absolutely no empathy for their customers. Non what so ever.
Product: Vehicle loan or lease

I owned a XXXX XXXX XXXX that was originally loaned through SunTrust. It became a Truist loan when Truist bought out SunTrust. The car was totaled in late XX/XX/XXXX. The car had a XXXX policy and a XXXX mile service policy. We are owed a refund on both of these policies. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL ( aka XXXX ) has sent the refunds to Truist Regional Acceptance Services ( XXXX XXXX XXXX XXXX XXXX XXXX NC ). The refunds are currently at this location. There is a GAP refund and XXXX mile service policy refund ( I have details about these checks but will not post publicly ). 

I have been trying to resolve this since late XXXX. I had to report Truist to the XXXX in XXXX because no one had returned any of my calls. I contacted Truist again on XX/XX/XXXX to follow up since I last reached out in XXXX. I spoke with local Truist and Customer service. I was not able to obtain any answers. I had an email for a Truist employee with Total Loss. I emailed him and he submitted a request with the XXXX XXXX Department. Neither he or I heard anything back so I called Truist again on XX/XX/XXXX. I spoke with the XXXX representatives on the customer service line and was forwarded to dealer services ( XXXX, XXXX ) .The first number does not recognize the account number, the second number is invalid. My local Truist branch ( XXXX, AL ) is unable to help. I spoke with the manager on XX/XX/XXXX. I called her again on XX/XX/XXXX and did not receive a return call. Neither the Truist banking app or website will allow me to login ( most likely because the account is paid in full ). I enter my information and it automatically logs me out on both platforms. 

I spoke to XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ) who could not locate the account and suggested I call the Truist dealer product cancellation department. She said Truist is the owner of this agency and that our account must be held in a different department that she could not access. I called XXXX and there was no answer. The number went to Truist general customer service who could not help. I attempted to call again and was given the option for an address book. I chose the option for an operator but one was not available. I then got the cancellations email address. I have sent emails to the Dealer Product Cancellation department and XXXX email address with no response on XX/XX/XXXX. 

The amount of these checks total over {$2000.00}. The XXXX check was mailed on XX/XX/XXXX by XXXX XXXX XXXX The XXXX XXXX check was mailed on XX/XX/XXXX by XXXX XXXX  XXXX. Truist has not contacted me about either of these reimbursements despite multiple attempts by me to reach them. 

Truist is causing financial hardship and is using unfair and abusive practices. Additionally, the only reason I knew about these refunds was because XXXX XXXX XXXX reached out to me. Truist never contacted me. This is outside the realm of reasonableness. Truist policy is quick to report any customer for late payments, however they refuse to provide owed payments to customers in a timely manner.
Product: Checking or savings account

On XX/XX/XXXX I woke up and used my card like usual. My account had money on it at least XXXX or so dollars. I went ahead and got myself some late XXXX XXXX  which brought it to around {$340.00}. I've been using it I went and purchased food with it that day and I've logged into it to check my balance, and everything in there was absolutely nothing wrong with my account. I haven't done anything on the account to go against any of the banks, policies, or anything like that I use the account as a normal account for every day purchases, as well as paying bills and eating and everything. I literally just use the account like a regular bank account. So that same day I was going to purchase something but I usually lock my card so I was going to go on the account and unlock the card so that I can use it, but then I see a message saying that my account is locked for security reasons. I have no idea why it would be locked because there hasn't been any fraudulent transactions or anything to my knowledge. So I called them the same day and they told me that basically my account was closed and that I would have to wait on a letter and wait 30 to 60 days to receive the remaining balance that was in my account. I didn't want to go back-and-forth because I asked multiple times why my account was closed and they kept giving me the XXXX  ANSWER, SAYING THAT IT WAS FOR SECURITY REASONS TO PROTECT ME. WHEN HOW ARE THEY'RE PROTECTING ME WHEN THEY'RE LITERALLY HOLDING MY MONEY FOR 30 TO 60 DAYS. Now it is XX/XX/XXXX and I received an email today saying that my account is- {$420.00} which is insane. How is my account negative when I literally haven't even been able to use it and it was supposed to be closed, so how are there still transactions being done on the account? I'm not able to get in my account to see where this is coming from. I have no idea what's going on and I just want my money back that was in the account when it was closed! I have bills! Cant wait 30-60 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.
Product: Money transfer, virtual currency, or money service

XXXX dollars was sent to the wrong person and I was trying to get my money back for 2yrs now
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It XXXX Concern, I am writing to formally dispute an inaccurate item on my credit report. Upon reviewing my report, I noticed that a debt has been resold and is now appearing under a new collection agency. I believe this is an error, and I am requesting an investigation and removal of the duplicate or inaccurate entry. 

The item in question is : Original Creditor : XXXX Original Account Number : XXXX Collection Agency XXXX XXXX XXXX Debt : {$270.00} Account Number with Collection Agency : XXXX Amount : {$270.00} This account has either been previously reported, settled, or is inaccurate in its current form. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and either verify the accuracy of the debt or remove the incorrect entry from my credit report. 

Please complete this investigation within the legally required timeframe and provide me with a written response regarding your findings. 

If this account can not be verified, I request its immediate removal from my credit report. Please send an updated report reflecting the correction once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a written dispute regarding incorrect personal information on my credit report with Experian. The dispute number # XXXX. I requested that incorrect personal address information be deleted/removed from my credit report. The incorrect address information is still on my credit report. Please remove the addresses below immediately : 1 ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, NY XXXX I am requesting this to be done right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic shutdown I was effected financially.
Product: Prepaid card

I have XXXX left on my Am-Ex pre-paid gift card. I have tried to use the card multiple times for purchases under XXXX dollars. At all vendors it has been declined. This happened at XXXX XXXX yesterday in XXXX, NY for XXXX dollars and today while trying to purchase shoes at XXXX XXXX for XXXX dollars. I've done research and it seems like this is a widespread problem and therefore a scam, because I have funds here that I can not access. I have used this card in the past at restaurants so I'm not sure why this is happening.
Product: Vehicle loan or lease

To Whom It May Concern : On XXXX XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Starting MSRP was {$28000.00} online but I ended up financing a {$46000.00} loan payment. I also provided a down payment for this vehicle. After doing some research, and properly reading through this contract, I discovered that there are some violations that I was not aware of before signing any documents. In addition, I never had an opportunity to read through this contract at the dealership. I was told to sign my signature electronically once on an XXXX, the XXXX XXXX for XXXX explained to me " what I was signing is a disclosure for them not to be able to release my personal information ''. Which it was not, Therefore I demand to revoke my signature from this contract. Also I demand The XXXX XXXX XXXX and I demand this Debt to be Validated. 
Under the XXXX XXXX XXXX XXXX XXXX - I move to exercise my right to rescind this contract. Due to improper clarification of charges. 
Under 15 U.S. Code {$1600.00} - Determination of finance charge - It states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a combarable cash transaction This Contract was not a Consumer Credit Transaction - Sum of all charges was not included - A down payment was issued - Signature was falsified on other documents that was not disclosed to me **Please see the Additional documents provided, with violations Circled** {$640.00} is a XXXX XXXX term is {$46000.00} but on my statement it display that the payoff amount is {$36000.00}. What is the extra {$11000.00} going towards? 

In accordance with the XXXX Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. 
I will work directly with the alleged original creditor XXXX XXXX XXXX and Consumer Financial Protection Bureau to ensure the best possible outcome to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this Matter.
Product: Credit card

On XX/XX/year> I purchased a XXXX XXXX from Apple I returned it the following day. Attached to this purchase was a gift card which Apple unbeknown to me had attached to the sale. The following month and subsequent months I am being charge {$12.00} to my Apple Card. I called and spoke with Apple they agreed that there is no reason why Goldman Sachs who manages the Apple Card should be bill me when I returned the entire purchase. Apple directed me to Goldman Sachs I have call them with an Apple representative on the line to fix this problem. Goldman Sachs keeps saying that the only way to fix the problem if for them to create a dispute. I said fine do it and fix the problem they refused in call after call to create a dispute for which I request an ID number for reference. They refuse to connect me to a senior manager as they claim is not their procedure or department. They have after one payment of {$12.00} to keep them off my back they continue to bill me and making threats that they will send me to collections. I suspect this is a fraudulent group who may have lifted the name of Goldman Sachs to continue to syphon money from me a senior citizen. I live on a fix income and I can not continue to pay Goldman Sachs ( if they are really Goldman Sachs ). Please I need your help in resolving this issue as I do not owe anyone any money. Thank you
Product: Credit card

I have a American Express XXXX XXXX XXXX which has a feature of upto {$100.00} Airline Fee Credit for incidental fees ( e.g., baggage fees, flight-change fees etc. ). It has been more than 3 months since I had used the card for the selected airline checked bag fees for {$50.00} and I have n't seen the credit yet on my account. I have called more their customer service m XXXX times and have been transferred from XXXX agent to another ( atleast 30 minutes call each time ) but no one is able to help me out yet. Once the agent promised that I will see the credit about 2 months ago, but I have n't seen the credit yet. The airline is disingenuous in promoting this benefit to the cardholders. I am currently in the process of moving to a XXXX and I will be responsible for paying this fees as I have to close my XXXX account. I want to write a formal request for AMEX to make this process transparent.
Product: Credit card

Unable to log into account to pay bills and change password. Citi tells me that they can not help me because they can not authenticate me when they have my authentication information. This happened to me as well when l tried to open my account. 

They informed me that l have to wait to receive a letter from them Please note that l was able to enter my account previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I opened a business account with XXXX. I was told by the representative that I should co sign for this business account. I asked if there would be a hard inquiry and he said it would only be a soft inquiry. So I agreed. A few minutes later I was alerted by TransUnion of a new hard inquiry by XXXX. I have spent hours on the phone with XXXX trying to get them to correct this, but they actually have no idea who handles this and dont seem at all concerned about trying to help.
Product: Mortgage

I am a struggling widow I refinanced my home in XXXX w a gentleman that has passed away he helped w our mortgage I am a nurse by trade I was working with private clients but one passed away in XXXX the other decided to go a different direction XXXX XXXX put me on a forbearance which we paid in XX/XX/XXXX we did permanent loan mod 5.1 never late on payments w them they screwed up on the escrow and we were hurt w the hurricane last year it is a XXXX XXXX loan we got traded to sls forced into home insurance w no help from them Except what they say is 2 periods of forebearance! Ending XX/XX/XXXX we have been scammed before by mortgage relief. We have no family but my daughter is ill we recently got a bill from them stated they conducted a property assessment no one was out here? We have tried mortgage relief companies before but got scammed too. XXXX XXXX XXXX XXXX Was extremely nasty and said our house was in florclosure wheh they didn't check on this they aren't aren't lawyers but the gentleman sent nasty texts to my daughter saying she wasn't smart. Sls will not help us and reported us delinquent we have no family nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

State GovernmentRef :  XXXX  Tax Lien - Filed State GovernmentRef :  XXXX  Tax  Lien  - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted. This is incorrect information. It does n't belong to me. It needs to be deleted.     Both  XXXX  and   XXXX   have deleted these items, therefore they need to be deleted.
Product: Student loan

My account skyrocketed after unbeknownst to me i was paying interest only for 5 years and my loan balance never went down!
Product: Debt collection

I sent a certified letter to Gragil Associates on XX/XX/2021. In this letter I asked for verification of the debt as well as informing them I do not give permission to for them to call me and to only correspond with me through mail. On XX/XX/2021 I received a phone call from XXXX XXXX telling me theyre attempting to collect a debt despite the fact I told them not to call me.