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

I checked my credit report and I noticed so violations that were on my credit report I then proceeded to reach out to the credit reporting agencies that were reporting the inaccurate information but they did not correct and delete the information.
Product: Debt collection

Traded in a vehicle at a XXXX dealer, payoff was sent to them. Somewhere there must a HUGE lack of communication because they calls do n't stop. Each time there is a different person calling and claims they added a notation on the account however the next person who calls never sees it. No one knows anything except how to call and annoy people " wrongfully '' and threaten them with collection being reported to your credit.
Product: Credit card or prepaid card

On XX/XX/2022 {$500.00} was taken from my account @ XXXX XXXX On XX/XX/2022 @ XXXX XXXX {$500.00} from an atm but was declined On XX/XX/2022 {$500.00} was taken from my account @ XXXX Total of {$1000.00} has been taken out of my account I filed with cash app a dispute over and over and I have called them over and over I got an email that told me that my claim on the deputed claims have been denied I emailed them back asking why they told me because I have used my card at the location in the past I went back online in a live chat over and over I have called over and over I am told that they will reopen my claim and they will get back to me by email only I have asked to speak to a manager I am told that they dont take phone calls I have asked to talk to someone that is in charge of the claims I am told no they only email no phone calls I am told that someone will get in touch with me by email and its the same thing over and over I asked if they could tell me what atm it was that was used they told me it is a XXXX atm and the best thing I can do is call XXXX  and see if they can refund my money so I did that XXXX didnt have a clue what I was talking about and said they have nothing to do with a refund it would be the bank my card is from I went back to Cash app live chat and it was the same thing over and over I am told by the person in the chat and or on the phone that they have sent my claim to the manager and it will be taken care of and as of Today XXXX NOTHING HAS BEEN DONE TO HELP ME I asked if they can please pull film of who made the transactions they told me no Cash app told me no thats not there job to prove it wasnt me that made the transactions I asked them how or why the 2nd transaction was declined but not the 3 rd one they can tell me nothing it is to the point that when I go on live chat and ask why nothing has been done to help me get my money back I get a message in the chat telling me they have no updates on my claims Something is very wrong with them people they dont care that I wasnt the one that made the transactions they dont care if I get my money back its not them so they dont care I have been hung up by the XXXX over and over and told they cant help me cause the claim has been denied if you need dates that I have called them and or have been in live chats PLEASE HELP ME GET MY MONEY BACK FROM THEM ITS BEEN MONTHS AND MONTHS They tell me it takes 10 days but could be as long as 90 days I just want my money back from them ( CASH APP
Product: Bank account or service

on XXXX XXXX I received a deposit from a person named XXXX XXXX into my Navy Federal Credit Union bank account. I was expecting this deposit. On XXXX XXXX, 2016 my checking account was frozen by Navy federal credit union with out any notice to me what so ever. causing all my checks to bounce and leaving me penniless during the entire month of XXXX. The amount deposited was {$15000.00}. ... .the current amount that was frozen is {$13000.00} and is still frozen. they say they want me to deposit another {$2000.00} to make the account back up to the {$15000.00} amount and return it to XXXX XXXX as his name is on the sender and the receiver status of the deposit even tho my account # and routeing # is on the deposit correctly. He got my account information directly from me. I am a XXXX veteran age XXXX and this is very stressful to me. Navey federal has refused to open up my account or to pay from my account my vehicle payments I owe now for 2 months, so they are all late now. also my credit card payments are now 2 months late. they have ruined my credit also thru all this and I have to move like some begger due to them. They say that XXXX bank did the deposit by ach and that XXXX bank is requesting this money be returned to them per request of XXXX XXXX. This is a lie.!!!!! I personally spoke to the Institution that XXXX works for yesterday and it was sent thru their account to my account and they said that their money has been refunded to them already. So why is Navy Federal still keeping my money from me???? HELP ME PLEASE!
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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

I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.
Product: Vehicle loan or lease

This is the letter that we had sent to Hyundai Motor Finance-Credit Dispute Center back on XX/XX/XXXX. Please review letter for description of events that had transpired leading up to this complaint : To Whom It May Concern : Today Im writing to request a goodwill adjustment to my credit files.

My son hopes to be attending college this fall, and my wife and I are in the process of applying for a student loan to help pay for his education. To our surprise, the lending company denied our application because of a negative mark on our credit report. We have always had excellent scores and have never had an issue securing credit. Upon further investigation, we discovered that our credit report from XXXX  included an Adverse Account from Hyundai Finance.

The lease agreement for the XXXX XXXX XXXX XXXX that we drove ran from XX/XX/XXXX through XX/XX/XXXX with a total of 36 payments. The first monthly payment was included in the amount due at lease signing. The remaining 35 monthly payments were consistently made on time. And at the end of the lease period the vehicle was returned directly to the dealership on time without issue. 

Some time after returning the vehicle we began receiving calls from XXXX XXXX, a debt collection company. Thinking it must have been some sort of scam, because we knew we were current with all our accounts, we ignored the calls. Then we received a letter from XXXX, dated XX/XX/XXXX. 

When I called XXXX regarding the letter I was stunned with the amount they were collecting, {$2500.00} for mile overage and excessive wear and tear. I immediately contacted the Lease Maturity Team at Hyundai regarding the balance due. My wife and I were under the impression that we had signed the leasing agreement with 14,000 miles per year. We checked our copy of the leasing agreement and, to our surprise, it indicated only 12,000 miles per year. So on XX/XX/XXXX we paid the balance in full via telephone with XXXX XXXX. With the debt paid, XXXX sent us a Release of Debt letter indicating that our account had been satisfied in full. 

To be clear, the Hyundai dealership never told us that we had overages on our mile allotment or that there were additional charges to be paid on our account, and we never received any bill directly from Hyundai Finance. We also never received any notification from Hyundai or XXXX that a late payment would be reported on our credit report as a negative mark. 

Taking into account our 36 months of on-time lease payments and the mitigating circumstances around the additional balance due, Im requesting a goodwill adjustment to our account and hope you will consider my request to have the Adverse Account removed from our credit report. 

Thank you for your time and consideration. We hope your compassionate resolution of this matter will help us secure a bright and productive future for our son.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX
Product: Mortgage

Regarding Specialized Loan Services owned by XXXX XXXX XXXX XXXXXXXX XXXX. 
My HELOC was sold to this company XX/XX/XXXX. I was never sent any means to access the funds for this loan. I have been telling this company I need this $ IMMEDIATELY!! 
XX/XX/XXXX I contacted the company to ask for my funds. Spoke to three representatives before I finally spoke w/someone who seemed to know how to fulfill my request. I was told checks would be sent to me " over-nite '' and I should receive by XX/XX/XXXX ( weekend in the way ) ; I was also sent a HELOC WIRE REQUEST form which I followed the directions and resubmitted exactly per instructions XX/XX/XXXX Had not heard anything about my wire request ; called in. Was told there was no record of that form. Resubmitted it AGAIN per the new instructions as well as the old instructions and demanded to speak w/a supervisor. Did not hear back until next day XX/XX/XXXX Called in XXXX. Still no progress. Demanded to speak w/a supervisor. Supervisor called back and said he would get a message to department to expedite. XXXX CST ; that person called back and completed the " security process '' of the wire transfer and said processing immediately. I asked when would I see the funds and was told either today or tomorrow. 
XX/XX/XXXX STILL no evidence of funds and my bank indicates no record of receiving them. Called back to the company and am now being told the wire transfer takes 7-10 business days ... WHAT? Asked where were the checks that I was promised. That representative also told me 7-10 business days. WHAT?? 
Once again, I have asked to speak to a supervisor and have to wait for a call back. 
I emailed the " customer service '' address with a copy of this complaint since I'm at my wits end. 
What recourse do I have for not only not receiving these funds but the " fall-out '' of not being able to use these funds as intended? 
I have names ; dates ; times and identifying i.d.s for each conversation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX processed an apartment application under my name and I never submitted an application for an apartment with this company. They sent me an approval email on XX/XX/XXXX and when I spoke with their leasing manager, I was told that they had an issue with their system and all applications were processed automatically. In the approval email I received, an address from when I lived in XXXX XXXX  was listed, which further lets me know that the company illegally processed this application, as I havent lived in XXXX XXXX since XXXX. 

I informed them again that I did not submit an application or pay any fees to even submit an application and they stated that it would be noted and resolved. The leasing manager did offer me a tour since I did inquire about the apartments, however I made it clear that I did not submit an application and only wanted to inquire about their units. I am now trying to find an apartment to move back home to XXXX from XXXX, and I am being told that XXXX at XXXX XXXX has a collection on my report and I owe a balance. I never lived at this property and never processed an application. 

They refuse to answer any of my phone calls and this is blocking me from getting the apartment I need. Ive started a dispute with Equifax and placed a fraud alert on my report, however I am being told by Equifax that this will take up to XXXX days but this is unacceptable as this is an erroneous claim. 

I have leases from my apartment in XXXX to prove that Ive never lived at this complex since Ive been in XXXX for the past XXXX years, and can also provide bank statements to prove Ive never submitted an application with this company, as there is no way to submit an application with an apartment without paying administrative and application fees. 

I now have XXXX  days to leave my current apartment when my lease is up, and could potentially be homeless because of this erroneous claim. Please help me to resolve this before XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA did hard inquires on my credit report which I did not make must be fraudulent will not do anything about it
Product: Student loan

I would like to submit a formal complaint about XXXX XXXX. 

When I requested recalculation of my IDR payment plan, I was directed to fill out the form OMB No. 1845-0102. This form was partially filled out for me. Yet, Section 6 was not greyed out. I requested a one-month reduced forbearance for XX/XX/XXXX. I submitted this form on XX/XX/XXXX. Furthermore, official letters from XXXX XXXX said my form for recalculation was approved. I assumed this meant that section 6, my request for a reduced one-month forbearance, was approved. The letters also said to continue paying my normal payment till XX/XX/XXXX, which normal to me was the {$93.00}, not the untenable hike that caused me to request immediate recalculation. Had the letter not incorrectly informed me, or had the form not allowed me to incorrectly request a reduced one-month payment, I would have known to save enough money for the XX/XX/XXXX payment. Now, I have to dig into my meager emergency savings and put more debt on my credit card. 

I emailed XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and did not receive a response with respect to my confusion about how much to pay on XX/XX/XXXX. I finally called today on XX/XX/XXXX and spoke with employee # XXXX who confirmed that I am expected to pay {$440.00}, despite their runaround and miscommunications. I will pay the {$440.00}, but I am submitting this complaint because I feel XXXX XXXX needs to be held responsible for their misguided forms and lack of response. 
XXXX XXXX is intentionally difficult because it makes money off of people in revolving debt. These practices are unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 3. The following personal information is incorrect XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 4.15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
US DEPT ED Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting Account Number : XXXX 9. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Account Number : XXXX 10. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 11. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

DPT ED/XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I requested my consumer file from LexisNexis via their online portal. On or about XX/XX/2022, I received a response that they were unable to process my request because they could not authenticate my identity. The correspondence directed me to resubmit my request, via the online portal. On XX/XX/2022, I resubmitted my request via the online portal. On XX/XX/2022, I received another identical correspondence from LexisNexis stating they were unable to process my request because they could not authenticate my identity. No specific reason has been provided by LexisNexis stating why they could not authenticate my identity. I submitted all relevant personal information, including my social security number and Missouri driver license number, yet they still refuse to provide my consumer file.
Product: Credit card

I called in today, XX/XX/2023 to speak to the secured credit card department approximately XXXX XXXX XXXX XXXX time I spoke with the representative who acted as if he could barely speak, clear or audible XXXX. I can understand. I explain to him very thoroughly why I was calling in about my account, and what information I was requesting he did not want to listen to my concerns so he offered to transfer me to a totally different department that I needed to speak with about my credit card, so after I explained to him again, what I needed it and I told him very clearly if he did not know how to help me if he could transfer me to his supervisor or to another agent in his department that could, and instead of transferring me, or putting me on hold to speak to a supervisor, he put me on on hold for a long time just for him to transfer me back to the general customer service number.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. STates I have the right 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.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX XXXX XXXX '' and do not have a contract with " XXXX XXXX XXXX '' they do not provide me with the original application like i asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/XXXX an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/XXXX on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative Stated XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit report agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit Report.