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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue concerning my credit card account, specifically regarding late payments that have been reported to the credit bureaus. 
I recently reviewed my credit report and noticed that there are late payments recorded on my account. After careful examination of my financial records, I have identified discrepancies in the reporting of these late payments. I believe there may be an error or misunderstanding, and I would like to request your assistance in rectifying this matter. 

XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

I kindly request that you investigate this matter and, if appropriate, correct the information on my credit report to accurately reflect my payment history. If there were any oversights or errors on my part, I would appreciate your guidance on how to address and rectify them. 

I appreciate your prompt attention to this matter and kindly request that you provide me with written confirmation of the resolution once the investigation is complete.
Product: Credit reporting

My name has never been XXXX XXXX XXXX and dont have a credit card in the amount of XXXXDont know where you got this from but it shows on my report ... 
XXXX XXXX
Product: Credit card

I had ordered tickets to a hockey event for XXXX XXXX, XXXX. I had called the credit card company to let them know that the tickets arrived later than I expected for a XXXX XXXX birthday gift and that the tickets that were not the ones I had ordered. The section and row was changed on me without my permission or knowing of it till after the purchase. I had called Southwest Visa and their representative said that since the tickets were changed on me that I could return them to the seller for a refund. I returned that tickets, certified mail, just as the credit card company representative told me to do so. As I 'm awaiting a refund, the event had past. Later the company had told me that the charge was valid and that there would be no refund. Well, because of the misinformation of the representative from visa, XXXX XXXX XXXX @ XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX ) I had no tickets tickets to the event and was still charged the amount of {$1000.00}. XXXX. Visa keeps ignoring the letters I sent them about my issue with the charge. They are not seeing the fact that their representative directed me incorrectly with what to do and therefore I had no tickets to even go to the event if i chose to attend it and not give it as a birthday gift. Whatever help you could provide me with would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted the company many times in regards to this. I do not owe this and have never had an account or contract with this company. I have contacted the Better Business Bureau as well as all of the Credit Bureaus in regards to this. I have not received validation of this debt and want it removed from my Credit Bureau accounts immediately ( XXXX, XXXX as well as XXXX ) and I want all contacts with this company to stop. They have contact family members in regards to this as well as given out information that should not have been given in regards to this to individuals that are not myself. They are also not licensed to collect in this state. They was supposed to remove this information from my credit bureaus already and they did then put it back on there. And never notified me. Thank you very much.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSCTIONS DONE BY ME.
Product: Debt collection

MIDLAND FUNDING LLC HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO XXXX OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY
Product: Credit card or prepaid card

I purchased a TV from a retailer, but when I opened the TV it was broken. The retailer was not willing to take back the TV. 

While in the store, I called Citi on XX/XX/XXXX and told them that I intended to leave the TV at the store if they could assure me I would get my money back. 

Their customer service rep assured me twice that I would receive a full refund, so I felt confident leaving the TV at the store without documentation. I stayed on the phone for confirmation that I would get my money back through email. It took a very long time so I told the associate I would look out for the email and if it was not received, I would call again the next day. 

The next day ( XX/XX/XXXX ), I called back because I did not receive an email. The second associate I spoke to told me they could not issue an email but that it was highly likely I would get a full refund, so I should not worry. 

Based on these communications, I did not get any further documentation and left my TV at the store. 

On XX/XX/XXXX, my dispute was denied for lack of documentation. This is very distressing and unfair because i would told explicitly that I would get my money back. I was clear about leaving the store without the TV and confirmed twice they would credit my money. 

A Citi agent felt this was unfair and confirmed my recollection of these events ( by reviewing the call history ) and plainly said that if he could have, he would have issued me a full refund. But he was not authorized to do so. Citi was only willing to issue me a courtesy credit of {$100.00}. 

Citi should take responsibility for their customer service department. Because of their misinformation, I have no TV and no recourse. I have lost more than a XXXX dollars and neither Best Buy nor Citi are taking responsibility.
Product: Debt collection

CBA aka Collection Bureau of America is continuously refusing to send me proof of the debt they are claiming I owe and they have verified. I have now sent XXXX certified letters demanding proof of the debt. I stead they sent me a screenshot of their own data base titled Account Financial History. I have never signed any of this. I never agreed to do business with these people. It is clearly fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY REPORT IT SHOWS XXXX XXXX AND XXXX XXXX/XX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW
Product: Checking or savings account

I was a customer of First Midwest Bank which was taken over by Old National Bank effective XX/XX/2022. Since the takeover I have not had proper access to my funds. Old National Bank shut off First Midwest debit cards on XX/XX/2022, shutting off my direct access to my funds. I have not received a debit card from the Old National Bank despite ordering a card on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. According to several customer service representatives, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX there were debit cards ordered all sent to the wrong address ( two different wrong addresses ), even though they repeatedly tell me they have my correct address on file.

I have been unable to get ahold of anyone who has the access or the power to get me a debit card or access to my funds. I have requested to have my funds wired out of the bank so I can get access to pay bill etc. I was told by customer care the only way I can wire funds is to personally come into a branch location which I am unable to do as I currently reside in the state of Arizona and there is not a physical location of this new bank within a thousand miles. 

Note, when I call the bank each time all of the numbers are routed to a customer service representative results in hour upon hour of being on hold. 

It is not legal for the bank to seize my funds, cutting off access to me without a court order. Is there anything anyone can do to help me get access to my funds short of getting on a plane ( without access to funds to pay for the ticket ), and going in person to get access to my funds.
Product: Money transfer, virtual currency, or money service

Paypal is wrongfully holding my refund from a seller. 

Paypal id is XXXX It is nothing suspicious about this.. it is a simple refund from a seller and Paypal is wrongfully holding my balance to transfer to my checking account. 

{$140.00} USD is in hold right now and {$140.00} is not sending out to my customer.. 
Please see the screen shot below.
Product: Debt collection

I was authorized by my healthcare provider ( XXXX ) for 30 visits with a Nutritionist. I was sent to see XXXX XXXX at XXXX XXXX, XXXX. I went to my first visit, paid my co-pay and saw Ms. XXXX for approximately 10 minutes. She gave me a pre-printed list of recommended diet tips and scheduled me for a follow up appointment approximately 30 days later. I returned 30 days later, paid my co-pay and spoke to Ms. XXXX for another 10 minutes and was rescheduled for another appointment approximately 30 days later. A couple of weeks later I received a bill from XXXX for {$310.00}. I called XXXX to see what was going on and they said XXXX was " balance billing '' me and that I was not responsible for the charges. I also found out that XXXX was submitting the wrong billing codes for payment. I was then connected on a 3 way call by the XXXX representative who explained to XXXX XXXX billing department the issues and how to resolve them. The XXXX representative seemed disinterested and like she was only half-listening to the XXXX representative. We ended the call thinking that the issue was resolved. A few weeks later I receive a collections notice from National Recovery Agency on behalf of XXXX for the {$310.00}. I call the collection agency to explain the situation and it falls on deaf ears. They will only listen to responses from XXXX. I called XXXX again, we 3 way call XXXX again and re-explain the situation and, again, think it is handled. I continue to receive harassing phone calls from the collection agency and the situation has not changed. I again called XXXX and filed a grievance on XX/XX/2019 ( reference # XXXX ) regarding this claim for service ( Claim # XXXX ) and was told that the investigation would be completed within 30 days. In the meanwhile, I had planned to refinance my home in order to help pay for my daughter 's coming of age party and find that this collection has caused my excellent credit score to drop to approximately 150 points. This will significantly affect the terms and cost of any loan I wish to obtain and has essentially destroyed any chance of me obtaining an affordable loan. I live on a fixed income and my credit is the only way I can afford to survive. I have an excellent payment history and my credit was flawless until this collection was put on me. I feel that I was deliberately and maliciously harmed by the actions of XXXX and do not want to see them harm anyone else in this manner.
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the credit bureaus to confirm these items. 

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

Since XXXX, my husband and Is information and SSN have been sold on the dark web. In XXXX, XXXX XXXX XXXX ( born in XXXX ) sold my husband and Is information on the dark web. He used our name, SSN applied for a mortgage, car loan, and credit cards. 
In XXXX, our information was sold again on the dark web. There were many buyers and we received the highest bills. 
Equifax was unwilling to provide information about these loan and credit card companies, nor was it willing to mail a credit report to my home. The company has always treated me as a criminal, and regarded the criminal with mortgages, car loans, and credit cards as the real me. I sent an e-mail to Equifax XXXX, and then entered into dispute resolution and restored my identity. 
You have the most complete loan information and credit card information. Please help me, terminate these criminals using my name and my husband 's name XXXX XXXX XXXX for these mortgages, car loans, credit cards. 
XXXX also said his is my partner ( not ), my boyfriend ( not ), applied for a mortgage. 
These car loan, mortgage, and credit card companies did not send a letter to my home for confirmation, and they loaned money to these criminals. This is a financial loophole in the United States, and we hope to solve this problem. 
I need your help! 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about the Forgery of a furnisher. I have attached all my previous correspondence with the courthouse, Experian, and XXXX.
Product: Vehicle loan or lease

Company has been calling my family and friends repeatedly. They are leaving messages ( I do have a digital recording of one voicemail ). They were asked to cease phone calls to people associated with me in XX/XX/XXXXXXXX  via phone call. They call me repeatedly, daily, as much as 4 times per day. They send text messages to me although I have opted out of text services. When attempting to speak with a representative today ( XX/XX/XXXX ), she would not stop speaking over me and would not listen to me. This company took advantage of my XXXX knowingly approving a subprime loan that is not affordable and has literally stalked me via family and friends causing me extreme distress and increased medical bills.
Product: Debt collection

I have reached out to Alliance Interstate to make a settlement on a XXXX XXXX account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. Allied interstate refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting Allied Interstate provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.
Product: Credit card

My husband and I went to XXXX XXXX on our honeymoon, upon arriving at the airport, we took a taxi service to our all-inclusive resort which was 20 minutes from the airport. The taxi driver quoted a price of US {$45.00} which we accepted. Upon arriving to the hotel, the driver showed us the price entered into the merchant device and we provided our Citi American Airlines credit card. Upon checking my credit card statement I saw that we were charged US {$640.00} instead of US {$45.00}. I filed a dispute with Citibank and provided our flight information our hotel information and a screenshot of the distance from the airport to our hotel, my dispute was denied two times by Citibank. Why would I pay XXXX {$640.00} for a XXXX minute ride from the airport to our hotel. We took a taxi from the hotel back to the airport, and I took a screenshot of the charge and provided that to Citibank as well too. This is a taxi service that does not provide a receipt. They quote you a price and you pay that price and Citibank is asking for an invoice or a receipt which I can not provide but common sense would state that a taxi does not cost US {$640.00} especially when I provided proof of the second taxi ride, which charged the right amount of {$45.00}.
Product: Vehicle loan or lease

The Company, Hyundai Motor Finance states in my complaint that the company has closed the account, supposedly paid as agreed. Which is true. I never missed a payment or was late. In fact I paid off a 72 month loan ( which I took for a dealer low interest rate of 1.9 % ) in about two years. Apparently this angered them. So while they kept accurate records of my on-time payments, which of course they had to do, they punished me by listing my total balance owed for about two years by never reducing it, if fact the they kept my amount due at {$11000.00} and never reduced it when payments were made. 
Of course this damaged my credit rating and an examination of my account ( if they would show you ) would show that as a 20 Year XXXX Vet, I am not lying. To this day, years later, a look at my Hyundai records will show you exactly what they did. 
Now I'm not looking to make money off what I consider is just pure incompetence, but if they won't adjust my balance due, which is still harming me financially, I will bring suit. 
They refuse to say anything except the case is closed. But it's not closed and they know it. They are just to vindictive or incompetent or lazy to fix my payment balance. 
XXXX XXXX XXXX XXXX-Ret XXXX
Product: Credit reporting or other personal consumer reports

In XXXX oXXXX XXXX, I received a phone call from XXXX XXXX XXXX fraud department notifying me that an application had been placed in my name. When I confirmed that I had not submitted an application, they suggested that I check my credit report so that I could file a dispute and place a security freeze with the three credit report bureaus. When I went to my email to see if I had received any other notifications, I noticed that I had received a notification from Experian that the email address associated with my account had been changed, something that I did not do. The timing coincided with a data security breach from Experian, so my account was left vulnerable to hackers who hijacked my Experian account and attempted to open 9 different credit cards in my name in a 48 hour period. I filed a police report for identity theft and placed a security freeze with both the XXXX and XXXX bureaus. Because the identity thieves changed my email address on file with Experian, I have not to this day been able to log into my account or to rectify the situation with Experian, something that has resulted in an additional 6 applications being placed in my name over the intervening years, including two today ( XXXX ). Despite exhaustive efforts over the past three years to communicate with Experian to report the fraud and reclaim my account, I have not been able to speak with a single representative or to communicate my complaint in writing. There is no chat function or email address to contact, and the number for fraud support is fully automated and flat out refuses to transfer you to a live person to speak with. ( The system has actually hung up on me when I have continued to ask to speak with someone. ) I am at a complete loss as to what to do. My identity was stolen as a result of a data breach with Experian, and yet they have made it impossible for me to rectify the situation. My credit score has continued to suffer as a result, and my information is now on the XXXX XXXX. It is absolutely shameful if not criminal that there is no recourse or ability to speak with someone at Experian.