23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I took out a loan from this company, just after I took out this loan I was displaced from my job of 6 years, I was trying to do the right thing and notify this company of my displacement. I told them would like to set up payment plan until I get back to work I also told them I had to close my checking account the money wo n't be there do not debit my account they debited my account anywaysThen charged me XXXX on my account, the rep or supervisor refused to work with me telling me I had to pay the regular payment told them I do not have the money or resources at this time they told me nothing they can do, this company refuses to work with meOr set me up on any repayment plan which would allow me an opportunity to repay the loan
Product: Mortgage

XXXX of 2019 's mortgage was paid with XX/XX/2019 's mortgage, occurring in a late payment. However, we had previously talked about this payment arrangement with HomePoint Financial ( mortgage company ) and they were aware of this occurring prior too. When speaking with HomePoint they assured me because my account was in good standing and this was a direct result of my service in the military, that the late fee would be waived and we would not be penalized. However, it was still reported to my credit after I was assured that it would not be.
Product: Mortgage

In XXXX, my home and farm was appraised for XXXX XXXX. I borrowed {$140000.00}. This was done through XXXX XXXX. It was serviced by XXXX. Was then transferred to XXXX XXXX XXXX. I never missed a payment and was never late on a payment. In XXXX, XXXX, I received a letter stating that my taxes and insurance were in default and I had 30 days to produce proof of payment. The next day I received a lettered stating that XXXX XXXX XXXX had paid the taxes and insurance and that my payment had increased from $ XXXX to $ XXXX/month. My insurance had already been paid and the taxes were not due. I called and was told that I could get a modification and that I was to stop Making payment for 60 days and this would qualify me to get a lower interest rate from XXXX, smaller payments and longer term. That the entire process would be done in house and not affect credit. I agreed to do so. In 30 days I received a late notice. When I called I was told not to worry it was taking longer to complete mods because of the huge number of requests. The following month same. In XXXX, XXXX all of my credit cards went from 2.9 % to 32.9 % interest and I found that XXXX XXXX XXXX was filing this with credit reporting agencies. In XXXX, XXXX XXXX XXXX tried to foreclose on my home. I was able to get it stopped. They denied me on XXXX modification attempts, kept my trial payments and tried to foreclose 9 times by XXXX. During this time, I had XXXX XXXX, my daughter had XXXX XXXX, my son-in-law had a XXXX, and my son had to quit school to handle XXXX XXXX XXXX since they were threatening that if we missed a call, they would make decisions without us to take my home. Finally, i filed bankruptcy so that i could try to keep my home. Since i had always paid my taxes and insurance, I went to the tax accesor and my insurance company and paid them privately. At this point, XXXX XXXX XXXX transferred the account to a company named XXXX. They would not answer any phone calls or respond to me in any way. After a few months, XXXX sold the loan to a company with Rushmore as the servicer. Now they are trying to get a release on the property for the purpose of foreclosure with a court date set for XXXX XXXX. I need a resolution to this issue. I have. Complete paper trail from XXXX and a letter from XXXX XXXX XXXX that states that this loan only defaulted for the purpose of modification. That they are sorry for any inconvenience. I 'm XXXX. I need to retire. I have fought with all I have. Help.
Product: Debt collection

I called to cancel XXXX XXXX  and internet in XXXX of XXXX. I was told to drop off the equipment within 10 days of the billing cycle and dropped off the equipment at a XXXX store as directed and paid my XXXX bill. In XXXX I received another bill for {$220.00} and I called XXXX to correct the bill. I explained to the representative that I had canceled service the previous month and turned in the equipment more then a month ago. At the time I was under the impression that the matter was settled but received a collection letter months later. I disputed the debt and the collection agency sided with me. Now over a year after, I received a letter from a second debt collector and disputed it as well. Now the debt collector sided with XXXX because I no longer can find my receipt from XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Yesterday I tried to access my American Express Serve Account and could not gain access to my account info until I updated my old app to a new American Express Serve App with a different icon. 

My account was tied up all day. I prefer to keep my Main Account with a low balance to minimize unauthorized charges to my account.

I was needing to transfer funds in order to make plans for the day. I was unable to access my account all day and on the two occasions I could login the app just buffered and wouldn't allow a money transfer. I installed, Uninstalled and reinstalled this faulty App, nothing worked.

I called The Main Customer Service Dpt and also tried another 800 # that Dpt had shared with me the last time I had a serious problem with my account ... I couldn't reach a Rep at either number. I tried waiting in queue with both numbers and despite waiting for awhile ... I never could reach an Agent. Before contacting Amex I did reach out to Tech Support at XXXX to make sure there wasn't an issue with my phone. XXXX 's Tech Support assured me my phone was functioning properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have 30 days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX
Product: Checking or savings account

BBVA chose to transition all Simple banking customers on a Saturday. They were ill-prepared and have locked most users out of their accounts for over 36 hours now. They closed down customer service phone numbers and when they opened one back up they're now having " technical difficulties '' with their lines and they either can not hear you or you are automatically disconnected. 
There is no recourse. Apparently we have to wait to see if and when we will gain access to our money/accounts
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

I deposited {$41000.00} into a high yield savings account with Marcus on XX/XX/XXXX for the account opened on XX/XX/XXXX. My daughter referred me from her Marcus account so that we could both get their 1 % 3-month referral interest boost. I was immediately locked out of my account. I called them in early XXXX and was told I'd have to complete an Affidavit of Identity Form. I completed this form and sent it back immediately, paying to have it notarized. I did not hear from them and was still locked out, so I called them back and was told my form wasn't notarized ( even though it was ). They said they would send me another form to complete which I never received. 

XX/XX/XXXX I received an email that they closed my savings account. I called and was told they had closed it due to the funds not being claimed. What were they going to do with my money? I was told they would investigate this and to call them back on Wednesday, XX/XX/XXXX with no direct number to call except their main phone line to go over my case and have my funds transferred back to my bank. They haven't communicated with me and I've been on hold for hours trying to resolve this with them. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX
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 16B1 15 USC 16B1 section 602A States I have the right to privacy 15 USC 16B1 section 604A section2 States that a consumer reporting agency can not furnish an account without my written permission or instruction to do so.

15USC 16B1.C ( AthruC section ) states no consumer reporting agency can release any adverse account information other than records of criminal convictions that are older than seven years.

15USC 16B1 section 2 ( A ) ( 1 ) States that a person shall not relay any information of a consumer to any consumer reporting agency if the said consumer know or has reasonable course to believe that any information on any credit reporting agency is inaccurate Last year my identity was stolen. 
Since that time i have been shotgunned through out colorado I have filed with CBI and the Federal bureau of investigations and have reported identity theft to the three consumer reporting agencys. 
I am also adding XXXX to this report XXXX has violated my federal rights to privacy and equality XXXX consumer center consumer number XXXX case number XXXX XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality Equifax Information Services LLC
Product: Vehicle loan or lease

This car lender is reporting inaccurate late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19-I sent a request through XXXX XXXX for re-fi options. You only give them your name contact info, loan amount, absolutely no personal information like social security numbers or dob entered. XXXX XXXX sent my social security number and all personal information out to neumeous entity’s without my approval or knowledge XX/XX/19 - I spoke with one of the companies XXXX XXXX  sent my information to Loandepot.com. XXXX XXXX  called me, he asked if I could verify my dob and last 4 of social, I’m perplexed as to how he has the last 4 of my social and dob, I’m assuming this is to verify I’m the person I say I am. I later found out he ran my credit. He never asked for permission nor did I give permission to run my credit. Now my credit has been hit, and this is fraudulent conduct. I have emailed XXXX  XXXX, his parter XXXX XXXX  who was cc’d on our email, I have left messages XX/XX/19 from first thing this am for their manager XXXX XXXX, his manger XXXX  XXXX  with no response.I have filed a complaint with XXXX  XXXX, Loandepot.com, XXXX, I’m asking that you please research this matter, this should not have happened, this is illegal, and this person XXXX  XXXX  seems to be licensed in multiple states. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an   XXXX   score of  XXXX . My bank offers free  credit score information. It said my Trans Union score w as  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
Product: Prepaid card

I have received an Amex Gift Card from my employer as a holiday gift with {$200.00} loaded on it I am unable to use this gift card anywhere online or in-store with payments being declined. 

I have tried calling the customer service phone number multiple times but the call never completes with endless wait time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spent XXXX min XXXX on the phone with experian. I was transfered 5 times to a diffrent number/dept.! I asked to speak with a supervisor and was put on hold and then disconnected. 
This complaint is the same as the previous complaints. They have my income incorrect. They have it as {$2200.00} when it should be {$3700.00}. 
It is easily verified in my checking account with XXXX XXXX @ XXXX XXXX XXXX XXXX Al, phone XXXX which shows my SS deposits each month totaling {$3700.00}. Your agency has taken no action against Experian to correct the information. you simply close the complaint regardless if the issue has been resolved or not. It has not been resolved and I can not get it resolved. I get XXXX answers and the run around when I call their dispute dept. 

Please enforce the requirements to fix the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I called Capital One they credited my card for {$5300.00} after telling me to cancel my trip with XXXX. Capital one is not identifying themself and taking responsibility. They say they don't have to. Read the attached response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( XXXX, Equifax & XXXX ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had lost my job or actually laid off on XX/XX/XXXX. I had signed up for the protection on my credit card. I reported it to the company was told I would get paperwork. In two weeks now XX/XX/XXXX I call them back, stated that they were having problems. I guess they were being bought out or changing banking companies. No paperwork nothing. At the end of XXXX about the XXXX XXXX. I received a bill that had we ate informing you about new bank. Now I receive a thing typed on the billing statement my acct closed yet I am back to work XX/XX/XXXX and making payments now I brought acct under credit limit and I go to use card told its closed I said cant be well I printed out what I have as far as credit and it shows my acct is open yet I cant use it yet it states my available credit is. So they lied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX / XXXX Unauthorized use of my credit. Violation of U.S.C. 1681b. Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. My name is not and never was XXXX which is associated with this fraudulent account. I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. The account obtained and the information published on my report regarding this information including everything relating to this account is an act of Identity theft. This is a NOTICE of Identity theft! Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX