23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I spoke to the bank ( Wells Fargo ) connected with the credit card about the high amount of interest applied to the credit card. I explained to them that I was told by XXXX XXXX XXXX that interest would start after a year and the bank told me that it is a years worth of interest instead. The bank told me to contact a retail card number with them. I contacted Wells Fargos contact number on XX/XX/XXXX and was told that I need to contact the company the card is with. I contacted XXXX XXXX furnitures customer service line right after. I explained the issue and was told its not something they can help with. I asked for a XXXX department and was told that they dont have XXXX and to contact my local store. The local store does not have access to the financial component of my account. Ive been told prior to call the hotline. At this point, Ive received no support other than a run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has a late payment from XX/XX/year>, I need to see all bank transactions that belong to this company that would prove my payment was not accepted on time in XX/XX/year> or remove this unverified late payment. 
XXXX XXXX XXXX XXXX Has a incomplete and inaccurate payment summary Please delete immediately Please see attached
Product: Mortgage

Nationstar Mortgage fails to drop the PMI after passing 22 % paid. Currently own 27 % of the home and the PMI is still being charged. No late or miss payments have ever occurred. I signed the form requesting the PMI be dropped and they are demanding I pay for a appraisal to proceed.
Product: Debt collection

On XXXX XXXX, XXXX I received a letter in the mail from XXXX XXXX XXXX XXXX stating that " The records of XXXX XXXX show that your balance of {$200.00} is due in full. '' My XXXX account balance is {$0.00} and I have confirmed this with XXXX directly. I do not have any credit cards therefore no XXXX credit card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy 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 have disputed a unverifiable bankruptcy listing on my Transunion credit report several times. Transunion states they verified the public record as accurate. I contacted the bankruptcy court and they stated they did not validate that record. they sent me a letter stating that they did not report it to any of the credit bureaus. I sent that letter and a copy of my FTC identity theft report to Transunion requesting that they remove the inaccurate listing immediately as it is causing me damages and the benefit of a good credit rating. they still continue to report the item which is willful noncompliance.
Product: Credit reporting or other personal consumer reports

I have a fraudulent Hard credit check on my Experian report showing as : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, AZ on XX/XX/XXXX I spoke with XXXX XXXX and they confirmed that this was fraudulent, and that they turned that address over to the XXXX police department in XXXX of XXXX, closing the branch. 

Please remove this FRAUDULENT charge.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I submitted a complaint about a collection account on my credit report. After disputing the account I believe that XXXXXXXX XXXX XXXX  has violated hipaa law and has violated my rights. I will attach some files that back my claim. Hipaa law protects people like me from unlawful medical information. The following is the collection account information. 

ACCOUNT : XXXX XXXX XXXX XXXX  Account XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Trans Union & XXXX disputing the reported amount due from XXXX XXXX XXXX # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however Trans Union investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through Trans Union. I've attached a copy of the statement from XXXX.
Product: Student loan

My payments have not been applied correctly according to my master promissory note. My balance is higher than when i started repaying 14 years ago. I've requested an audit of my account, and the balance updated. Mohela was the servicer of my federal student loan. The new servicer needs to be updated with the payments that I've made. Now that Mohela is under a lawsuit for this very thing for PSLF borrowers. Something needs to be done for us other borrowers that have been taken advantage by this company.
Product: Debt collection

I have been repeatedly called by XXXX XXXX through a computerized autodialing system. I have attached a file showing all calls I believe were from them ; In the file you will see where I received multiple calls a minute a part and also calls received before XXXX. When I answered these calls, the other end would be silent then the call would end. Many calls later, I decided to confirmed with XXXX, the original creditor, that my debt had been outsourced to XXXX   XXXX. Next, I returned the call to the collection agency on XX/XX/XXXX ; after being told the call was being recorded and the amount owed, I asked where in my contract with the original debtor did I give permission for them to repeatedly robocall me. They would not answer my question so I requested to speak with the supervisor. I repeated this question to the supervisor, and she responded that the contract did not give permission for them to do so. I then asked, " Then when was permission given by me? '' She responded that today was the first time they spoke to me and that I haven't given permission. Next, I asked, " then why am I receiving illegal robocalls? '' She stated an automated system makes these calls to everyone until they are told not to and that this is legal until first contact. This conversation showed not that these calls were a mistake but that they willfully harass all consumers that they are trying to collect a debt from this way. They harassed me in various ways and lied about my consumer rights.
Product: Credit card

I booked flight tickets online from XXXX on XX/XX/XXXX through Chase card with a total amount of {$1500.00}. Few weeks later I had to change the flight and their online system would not work for my tickets. After calling multiple times, XXXX accepted their system would not work for my flights and I have to change it on phone only. This was a huge trouble for me. 

I raised dispute on my Chase Sapphire card regarding bad service from merchant and they provided provisional credit for full amount. After reviewing dispute with merchant, Chase came back to me that they can not do anything and they will charge cancellation fees of {$240.00} and that was rebilled on the card on XX/XX/XXXX, while remaining amount will be refunded. I agreed to that, and asked Chase to close the dispute since they were not doing anything special and deducting the same cancellation fees as I would get if I cancel the flight. 

I called XXXX to confirm my flights were cancelled and they told my flights are already cancelled. On XX/XX/XXXX I checked another rebill of {$1300.00} on my Chase card. I contacted XXXX if they have refunded my ticket and they said yes, but Chase said they have not received any refund. I called Chase, they asked me to open dispute again. I opened dispute on XXXX XX/XX/XXXX and attached chat history with XXXX in my dispute where they said they have already refunded for my flights, but Chase has closed my dispute without resolving it saying it is too old.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the XXXX insurance purchased at the time of the vehicle purchase on XX/XX/2019. The XXXX insurance was refunded at a prorated amount due to the cancellation of the contract as a result of XXXX and their unwarranted repossession. It is obvious that either the selling dealership or XXXX has failed to include the XXXX insurance refund in the so-called unpaid balance following the auctioning of my XXXX  The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I didnt authorize, and I believe they may have been added through fraud. Please remove and block these fraudulent entries.
Product: Debt collection

On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by XXXX XXXX XXXX XXXX XXXX located in XXXX, California ( current creditor ). 

On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional XXXX score had fallen by XXXX points. I immediately logged into my Experian account and discovered that the culprit was Debt Recovery Solutions , LLC located in XXXX, New York ( collection agency ) falsely reporting on behalf of their client XXXX XXXX XXXX, LLC that the balance due is {$2700.00}. 

On XX/XX/XXXX, I disputed the validity of the alleged balance due with Debt Recovery Solutions , LLC along with XXXX, XXXX, and XXXX and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. 

As of this writing, both XXXX and XXXX have removed the Debt Recovery Solutions , LLC collections account from their respective credit reports on me entirely. XXXX, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.
Product: Debt collection

We had XXXX XXXX  while living in XXXX XXXX. We cancelled services when we moved to XXXX state because they did not provide services there. In the terms and conditions of our agreement with XXXX the termination fee should have been waived. It wasn't. We made several attempts to contact XXXX and were transferred several times, but no resolution was ever made. On XX/XX/XXXX we were charged {$90.00} for that termination fee. We were then sent to collections via GC Services. They had my new address, and sent a dispute to XXXX. They then called me to tell me to send physical proof of our move beyond the fact we received their letter at our new home. We then had to call XXXX  again. On XX/XX/XXXX we tried 6 times to send an email to the address provided. XXXX. The email bounced back every time saying it doesn't exist. We called in again on XX/XX/XXXX and were told to try XXXX. It bounced back another 6 times. Now on XX/XX/XXXX I received an alert from the credit bureau that I have a collection account on my credit report! When the original debt is still in dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my FTC Identity Theft affidavit are not mine. Please Block!!
Product: Checking or savings account

Suntrust Bank had a promotion for new accounts. it was {$200.00} after depositing {$1500.00}. After I Contacted them they claimed that I did not provide a promotional code. That is not true. The promotional code was auto populated in the window. there was no way to add the code. The field was grey with the promotional code already entered.
Product: Debt collection

XX/XX/2020 my car was reposessed from my home XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wa. XXXX which is in a gated community, the gate which is open from XXXX to XXXX. the repo company came at XXXX which means they had to follow someone that lives in my apartment community to unlock the gate. It started back in May I fell behind in my payments and was waiting for my back unemployment payment. I was communicating with XXXX XXXX via email and she stated that if I make two payments they would put the repo on hold she never mentioned that the payments had to be together, in between time I was in communication with Mrs. XXXX, letting her know that I would be paying soon or that day in hopes my direct deposit would hit my account because my unemployment claim was finally fixed and approved. Even though we were in constant communication she still called and harrassed my friends and family. On XX/XX/XXXX, XXXX and the XXXX Mrs. XXXX called my son 's phone and left detailed messages about my account, about the car being placed in reposession and I need to give them the car back. My son saved these messages on his phone. My son doesn't need to know what is going on with my account, he is not on the car loan. I made a payment the end of XXXX and the beginning of XXXX. 
The end of XXXX I started receiving calls and emails from consumer portfolio saying that if I didn't make another payment they would put the account back into reposession, I let them know I couldn't make payment for a few weeks and mentioned my conversation with Mrs. XXXX about putting two payments to the back of the loan to get the payments current. They acknowledged the conversation and said we need two payments together which was never mentioned before. They said I had until XX/XX/XXXX to make a payment or the car was getting sent to repo collections. They came and got the car XX/XX/XXXX in the early morning hours. 
Today XXXX first I received a certified letter saying they are going to sell the car. The letter head says XX/XX/XXXX. I changed my address to a P.O Box in XXXX which I have statements from them with that address on it they were sending the certified mail to my previous address. I received it today with a XX/XX/XXXX date. The car is going up for sale tomorrow XX/XX/XXXX. 
At this point I don't know what to do. 
Thank You, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I responded to a letter I received in the mail from credit card company BBVA about completing a balance transfer. I agreed to a disclosure for a balance transfer. The next day I received an offer from another bank with an even better offer. On XX/XX/XXXX I called BBVA to find out if I could cancel the transfer. I was told by the representative that my application was never submitted and I don't have to worry about the account because nothing was processed. They advised me to contact customer care through the website to inform them not to process the application just in case I was worried and wanted to make sure the application wouldn't go through, but said it wasn't necessary - however I did. I moved on to the other bank, where I opened an account and did the balance transfer, where I agreed to pay their fee. A few weeks later I get a billing statement from BBVA. I was confused. I call back and they tell me that the balance transfer did take place. It is not XX/XX/XXXX and I've been going back and forth with BBVA about this issue since. I was apologized to numerous times and told that the issue would be resolved. I was promised a call back from an agent at least 4 times, if not more, and never did an agent return my call. I had to constantly take the time to call back and re-explain the situation to a new agent. A ticket is finally open and the result is that I owe the balance transfer fee because I agreed to this. And they justify this based on my phone call on XX/XX/XXXX. However, if they listen to the call on XX/XX/XXXX they will hear their agent tell me the balance transfer was never processed. If he hadn't told me this I would have never moved onto the other bank. I now owe two banks the balance transfer fee, which is over {$400.00}! I am extremely upset!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm attempting to place a temporary lift on my Freeze. This is the second time within months of identical issues from TransUnion. As with my last temporary lift, I'm met with failure of this companies ability to accomplish my request. ( Federal Regulations failure and I will file complaint with Federal Regulatory ). 

I first attempted to place a temporary lift on my credit file. On-Line system is not operating, again! Message on TransUnion website states Freeze Information is Unavailable. I attempted to make this temporary lift via phone with negative results. I believe this is an intended action on behalf of TransUnion. Their welcome message regarding credit freeze is clearly designed to disrupt an individuals desire to place a freeze on their credit file. It is easily assumed that TransUnion is intentionally making the credit freeze process an unbearable experience to prevent individuals from placing a freeze on their credit file. 

Additionally, the first experience with attempting to place a temporary lift on my freeze, the information they utilized to confirm my identity was approximately 4 years old. ie ; They asked me questions regarding what mortgage I have. They stated that my answer was incorrect, however their information was old and I had since two new homes. The same occurred with a vehicle loans with what lender ; Once I figured out their challenge questions were with outdated data, I had to calculate which vehicle I had years prior.. 

It is without a doubt, TransUnion is engaging in unfair credit practices simply to discourage individuals from having their credit files frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint related to Equifax reporting inaccurate information on my credit report. 
The most recent errors involve XXXX creditors XXXX XXXX XXXX  and XXXX XXXX fed credit union accounts reporting without the closing dates. Due to these creditors showing as open and not closed, the accounts are negatively impacting my ability to secure housing and new credit. 

Most recently, XXXX XXXX XXXX updated me with the correct reporting information via letter. I submitted that letter to Equifax and they opened another dispute and investigation. After XXXX investigation they updated me that the account should be opened according to XXXX XXXX XXXX. How is this possible! I provided Equifax a letter from XXXX stating how the account t should be reporting and that Equifax was the source of the error NOT XXXX XXXX XXXX. 
Equifax has been extremely unhelpful to me as a consumer and I am seeking legal counsel for guidance to hold Equifax accountable for their lack of assistance in correcting and reporting accurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit. 
Thank you
Product: Credit reporting 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. 
Ability Recover Service account # XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights. 
15 U.S. C 1681 section 602A has violated my right to privacy.

15 U.S. C 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) States that any of the following information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 US C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.