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

My credit union has tried to pull my credit report from Equifax but was unable to because of some kind of freeze or lock on the report. I have spent over two hours over two days trying to communicate the problem with their customer representatives but have had no luck. I have asked for a supervisor twice because the representatives are from another country and barely speak XXXX and only can read off of a script. Since the credit union can not access my report they are unable to complete the loan request. 

Equifax needs to fix this problem,
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a used XXXX XXXXXXXX car thru Sierra credit Corp. My cousin a XXXX for 30yrs looked at the.car for me. It wasn't running right. He told me it had internal engine problems. It was not worth the repairs. I called Sierra credit n told them the information. I then had been paying for the car a year. I asked them to come get the car I didn't want it anymore. I owed about {$3500.00} for the car. Sierra credit was there the next day n took back the car. They then sold it again. I've been getting charged for the car ever since. They sold the car for XXXX XXXX or more. They still wanted all that money from me. I didn't owe them nearly the amount they were charging. I called them to stop the charges. I couldn't work it out with them. I have been disputing it ever since. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I have a few late payments on an account I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for the account XXXX  ending in XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX  XXXX {$1300.00} XXXX   XXXX  XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX  XXXX {$650.00} XXXX   XXXX {$18000.00} XXXX  XXXX {$650.00}
Product: Credit card

I have recently obtained a copy of my credit report and have noticed the following inaccurate account. This incorrect account is negatively affecting my credit rating and causing me unnecessary financial strain. 

The amount was {$XXXX} AND OPENED XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ) purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling XXXX by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month XXXX will not report my payment history. Except if my account goes into default or late payment XXXX will report on time the late payment ( s ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXX 2019 when XXXX has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXX.up till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding SPS failure to comply with the FCRA violation XXXX
Product: Checking or savings account

I am currently fighting with Bank of America for my debit card had been compromised over several days and at several XXXX machines at the XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX NV. XXXX on XX/XX/XXXX for {$300.00} then twice again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NV, XXXX for the amounts of {$200.00} and {$100.00}. The account was used three times again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX, XXXX XXXX NV XXXX for the amounts of {$200.00}, {$100.00} and {$100.00}. The card was used a fourth time on XX/XX/XXXXat the XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX for the same amounts of {$200.00}, {$100.00} and {$100.00}. Along with the withdraws was 7, {$2.00} balance inquiry fees and withdrawal fees totaling {$17.00} on XX/XX/XXXX and 7 more {$2.00} balance inquiry fees and withdrawals fees totaling {$17.00} on XX/XX/XXXX and 6 more {$2.00} balance inquiry fees and withdrawals fees totaling {$15.00} dollars on XX/XX/XXXX. I did not realize the transaction had taken place until I returned to work the morning of XX/XX/XXXX to look check my account balance and noticed the charges. I called Bank of America 's frauds claim department to cancel my debit card that morning to start the dispute process as soon as I saw over  {$1500.00} in fraudulent withdrawals and fees in my account. After I filled the claim I also reached out to the XXXX Fraud Department and was able to track down the locations of the four XXXX that my account had been comprised. I was in contact with Bank of America several times during the claims process expressing that I have expressed that I can provide video and hard evidence on my wear about 's and that I had my card with me during the entire time of these fraudulent withdraws. I was never once in or close to any of these XXXX and also asked several times if I need to provide any type of police report and was told no each time. The claim came back as denied on XX/XX/XXXX with the explanation that " No Error or Fraud Has Occurred ''. I called again today on XX/XX/XXXX to dispute the denial of my claim an reiterated that I am able to prove my where a bout 's and they said they would reopen the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade in my car today XXXX2020and I was unable to due to my credit being in poor standing. I had no idea about this before today ; I looked over my credit report and accounts and I saw that there are two accounts that were opened in my name without my permission. Neither of those accounts belongs to me nor did I ever make any payments towards any of those accounts and I did not benefit anything such as money, goods, services or any other benefit. I have never had any written or verbal contract with any of those companies nor did I ever allow them to run or access my credit information. I have already filed a police report regarding this matter.
Product: Credit reporting or other personal consumer reports

For starters they sold me a lemon. 
It broke down after i left the parking lot day 1.

It spent months in the shop because they were so cheap in honoring their own warranty and wouldn't take it back. 
After I voluntary returned it due to a personal issue their was an agreement that they would refund the extended warranty purchased in loan and gap payments to balance along with what it auctioned or sold for. 
I have yet to receive the documents i was promised, legally due and they continue to report late payments monthly. 
Whats really odd is they removed all of my on time payments to make it look like i never payed and added false inaccurate info to my credit to purposely fry my credit.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : XXXX XXXX XXXXXXXX - {$810.00} XXXX XXXX XXXXXXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX - {$760.00} XXXX XXXX IN XXXX  - XXXX XXXX {$68.00} XXXX XXXX IN COMPANY - XXXX - {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX - {$15000.00} AFFIRM XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - XXXX - {$1000.00} As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be XXXX XXXX accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.
Product: Debt collection

What Happened : I discovered another inaccurate collection account listed on my XXXX credit report under the collection agency Hunter Warfield, related to the original creditor XXXX at XXXX XXXX. The account details are as follows : Account Name : Hunter Warfield Original Creditor : XXXX at XXXX XXXX  Account Number ( Partial ) : XXXX Date Opened : XX/XX/2024 Status : Collection account, {$280.00} past due as of XX/XX/2024 Balance : {$280.00} Balance Updated : XX/XX/2024 Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, XXXX I do not recognize this debt or have any contractual obligation to XXXX at XXXX XXXX. Additionally, the account is marked with the comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

I believe this account may have been added or accessed in violation of 15 USC 1681b, as I did not authorize this reporting or collection. Despite disputing this item, XXXX failed to resolve or remove it. 

Desired Resolution : 1. Validation of Debt : Require Hunter Warfield and XXXX at XXXX XXXX to provide full documentation proving this debt is valid and belongs to me. 
Ensure they demonstrate compliance with 15 USC 1681b, providing evidence of a permissible purpose for accessing or reporting my credit information. 
2. Immediate Removal if Unvalidated : If the debt can not be validated or was reported without a permissible purpose, require the immediate removal of this collection account from my XXXX credit report. 
3. Investigation into Reporting Practices : Investigate Hunter Warfield and XXXX for potential violations of 15 USC 1681b and the Fair Credit Reporting Act. 
4. Written Confirmation : Request written confirmation that the account has been removed and that no further collection efforts will be pursued. 
5. Compensation ( Optional ) : If applicable, request compensation for harm caused by this error, including any damage to my credit report and financial inconvenience.
Product: Mortgage

I unexpectedly lost my job, to no fault of my own. I have had to submit two separate loss mitigation Packages to BBT. Going through their process two times. Each time they give me the run around, misplaced or missed documents I sent in. No reading the evidence Ive sent in. Denying my ability for an FHA Workout program simply bc Im not in default. They said this to me several times as if I need to default on my loan to be helped. The second time around I had to recieved a denials call once again because I am not in default and they said they dont see why I cant pay my mortgage. I lost my patience and said cant she see that Im out of work and have no income??? Im have no money left. 

The woman had no sympathy and said it I want to go through the process I could appeal their decision. 

BBT has been giving me the run around and playing games with my finances ever since I started asking for the FHA program that would allow me to skip a fee payments and put them on the back of my loan. In this time of deep distress they refuse to give me and accommodations and not I literally can pay one more mortgage payment and then I will be completely broke and will loose my home. I am besides myself and thing whatbtheybhave some here is not legal or ethical by any standards
Product: Credit card

Making a payment through XXXX - selected Chase Credit card. The transaction is shown as a *CREDIT CARD* transaction and you are charged a {$3.00} fee ( or 3 % ) by XXXX to cover their *credit card fees*. 
However, CHASE then independently considers the transaction a CASH ADVANCE - charges a {$10.00} fee and then starts immediately accruing 29.9 % INTEREST! On a {$100.00} payment to a friend, I paid {$100.00} to XXXX on a documented 'Credit card ' transaction. 

That month I was charged {$10.00} cash advance fee + interest. The entire bill was paid off. The next month I owed more interest for the time elapsed from the bill being sent and being paid off. Total fraudulent and independent charges from Chase was {$12.00}. 
XXXX 's extra fee was {$3.00} ( presumably also going to chase ). 

So a total of {$15.00} in fees for a {$100.00} payment. 

This is fraud - plain and simple. I was never told, anywhere, that I was making a cash advance ( which I never, ever do with a credit card ) but instead using my CREDIT CARD ( for which I was also paying a fee UPFRONT to use! ) This practice needs stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identical twin sister and I have very similar social security number. TransUnion has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX - XXXX XXXX  XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported.
XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
Product: Debt collection

I recieved a Debt owed letter from Convergent Outsourcing, Inc ; Regarding Creditor ( XXXX ), Original Creditor ( XXXX ) Total Balance supposedly owed is {$690.00}. I have tried repeated attempts by phone to contact all parties and none of them seem to be able to tell me information about this account. They all say there 's no recorder of this info, however I have the letter and believe this debt was already paid for in past. Please have this taken off all credit bureau reports ( XXXX, XXXX, and XXXX ). Thank you and Please send info by mail or call.
Product: Checking or savings account

Funds were held on checking account on XXXX/XXXX/XXXX without my knowledge. M & T bank froze acct, could not use acct., debit or find representative that could help me I was instructed to phone legal dept, which I did, left a message on XXXX/XXXX/XXXX Direct deposits, and ATM deposits being made into acct, but ca n't access funds for anything ( food, gas, monthly bills ) There was NO NOTICES SENT to me either e-mail, online, phone or text. I called numerous times to contact. Again NO ONE called back or assisted me. Would like to know what is going on, and how long my money will be held hostage. I ca n't borrow from anyone. I live alone.
Product: Vehicle loan or lease

On XX/XX/XXXX I had a total loss with a vehicle financed through TD Bank ( XXXX XXXX XXXX ). I was out of work for a month due to the injuries. By the time, I was managing the proper claim process with my insurance company. On XX/XX/XXXX TD Bank received a payment from my insurance company for over $ XXXX. The next statement that I received said that my monthly payment was {$0.00} and showing my next payment due was XX/XX/XXXX. 

I had several calls and one of the staff confirmed that the payment was posted incorrectly and send me to start a dispute with the credit agencies. I was frustrated on how they didnt assume any responsibility for their mistake. TD Bank has reported to the credit 30 and 60 days late payments for apparently a balance of {$170.00}, when their statement provided a whole different information. 

I requested also copy of the statements and a payment history and wasnt provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency XXXX, Equifax, XXXX continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XXXX/XXXX - Bal : {$470.00} XXXX CARD - Bal : {$4200.00} XXXX  CARD - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts : XXXX/XXXX - Bal ; {$470.00} XXXX XXXX - {$0.00} XXXX/XXXX - {$3200.00}
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I returned an XXXX XXXX to XXXX. I have the receipts for Drop off and Proof of delivery. 

XXXX billed me {$1200.00} for the cell phone by using my autopay. I disputed the Payment with XXXX XXXX. I have a letter from XXXX XXXX stating that I did not owe that money. 

XXXX involved a debt collection agency. I became aware of this when I pulled my credit reports in XXXX of XXXX. I have disputes in process with XXXX, XXXX XXXX, and Equifax Credit Agencies. I have had no success with these disputes. It appears that because XXXX XXXX XXXX filed a verification of debt, I must wait for a dispute process that is currently based on wrong information. XXXX XXXX XXXX added their fee. The amount due is now listed as {$1400.00}. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. I also filed a complaint with the FCC. I found online records of other customers with the same or similar complaints about XXXX. https : XXXX I requested only that XXXX stop pursuing me for money that I do not owe them and clear my credit bureau issues and write letter of apology to me. 

This long period of promises via telephone interaction has produced no results. I have a record of the calls that include XXXX XXXX and XXXX XXXX XXXX 

The latest written communication from XXXX is this email : I am sorry I missed you. I am typically available Monday through Friday between XXXX XXXX and XXXX XXXX 

Please note, this week, I will be out of the office early on XX/XX/XXXX and XXXX at XXXX XXXX. PST, and I will be unavailable all day on XX/XX/XXXX. On XX/XX/XXXX, I will have extended availability from XXXX XXXX. to XXXX XXXX. PST before resuming my regular schedule next week I will be happy to return your message when I return. If you need immediate assistance, please email XXXX. Thank you and have a nice day! 

XXXX XXXX ( he, him his ) Sr Specialist, Team CEO XXXX XXXX XXXX XXXX | XXXX, XXXX XXXXXXXX Direct XXXX XXXX I intend to call him on XX/XX/XXXX at XXXX Pacific time which is XXXX East Coast time. 

I want this situation resolved as soon as possible. I am a XXXX XXXX XXXX XXXX XXXX on a fixed income. My credit score will impact my ability to stay safe and healthy and to support myself as I age. Any assistance you can offer is very appreciated. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated, but how is that possible, if the open data is inaccurate, the date last accurate is inaccurate. This ground for removal the also violated my rights under 15 u.s.c 1681 section 602 A. States I have the rights to privacy.

15 u.s .c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
Also the credit bureau took me 30 days to complete my investigation here is my certification certified mail tracking # XXXX
Product: Credit card or prepaid card

AMERICN EXPRESS have a new system in place with fraud reporting/Dispute reporting ... they put you on a blackilist so the system does not let you process the dispyte and they put you on an extra long hold because they recognize your cell phone number and do not let you report the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

We closed on our business on XX/XX/2021 and our SBA loan with Wells Fargo bank was paid off on this date. Due to our attorney not being able to get a payoff statement from Wells Fargo in time for closing, {$15000.00} was put into an escrow account and will remain there until we have our lien release from Wells Fargo. 

As of XX/XX/2021, Wells Fargo had not provided a lien release to us for the loan, so I called Wells Fargo and requested a lien release and was told it would be mailed to us within 30 days. 
Since XX/XX/2021 I have called Wells Fargo six times to check on the status of the lien release. I have been directed to two different departments, sat on hold, been disconnected and told that only one person can help me. This person, " XXXX '', is never able to speak with me and has not returned my request for a phone call. I have requested to speak with a supervisor, but have been told " supervisors don't take phone calls. '' I have explained my frustration to all employees that I have spoken to since we have now waited over 60 days for a lien release that is tying up {$15000.00} of our funds. 
I have included the last billing statement I have received for my loan. My notes on the bottom of the first page include a case number that I was given when I filed a complaint with Wells Fargo.
Product: Money transfer, virtual currency, or money service

I disputed some fraudulent transfers and a loan i did not take out and instead of doing a real investigation they simply cancelled my cash aop account and denied the disputes within 24 hours of the disputes being filed