23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out several times about an authorized user account that is showing up on my credit report that I did not authorize. I have stayed that I have no knowledge of the original account holder and I have asked that Equifax verify all information on the account and to provide proof that I have agreed to be an authorized user on this account. I have been providing no proof of this from either Equifax or the bank. 

The account in question is XXXXXXXX XXXX XXXX  account # XXXX XX/XX/2019. 

According to FCRA 15 U.S. CODE 1681 The banking system is dependent upon fair and accurate credit reporting. 

This account is not accurate and I would like it to be removed immediately. In addition to there being no proof provided that I have agreed to be a user on this account I have not been provided with any evidence of this account having any reason to be shown on my credit report and this is an error I would like corrected immediately. 
I have reached out several times and there is no notice of dispute on this account in addition it is showing as charged off but still reporting on time payments which is impossible for a charged off account. I am submitting evidence of these inaccuracies as I am submitting a screenshot of my credit report that shows this account is continually reporting as being paid on time while simultaneously reporting as charged off. I would like this account to be removed immediately as it is clearly inaccurate and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined XXXX for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND EQUIFAX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''
Product: Credit card or prepaid card

On XXXX XXXX I was trying to make a payment to my credit card online and chose the option to pay the full balance by mistake. As soon as I realized I called Citi card services early morning on XXXX XXXX, I was assured by their representative that they would credit my money back in full in 3 to 5 business days. In the mean while my bank account appeared overdrawn. My Bank apparently declined the payment and I was patiently waiting for the balance to show up in the credit card again. Today Citi tried to take this payment again out my account knowing that it had been a mistake because I called and informed them on Friday XXXX XXXX, they overdrew my Bank account once more. I called them again today and was told a different story about this process, now they said it was 3 to 5 business day to process this and decide if it got approved to give me back my money, and then another 4 to 6 business day for me to get the money or actually see the balance in the credit card again, meanwhile my payment due date is XXXX XXXX and now Im worry about missing my actual payment due to this whole process, which I was interrupted and told that there was nothing they could do about it, that I had to wait for the whole process to see if it got approved when Ive been telling them that I did not authorized that full balance payment.
Product: Checking or savings account

This is a follow up complaint to the complaint # XXXX submitted on XX/XX/year>. 
In their response on XX/XX/year> Citi bank stated that the check was mailed to the sender on XX/XX/year> via XXXX with the following tracking number : XXXX. However, with the latest status on XX/XX/year> XXXX tracking indicated that XXXX has not received a package, so nothing was mailed. 
Additionally, there is no clear understanding where exactly Citi bank is mailing the check and this information was not provided upon multiple inquiries. 

Please help resolve this issue, Citi bank continues to lie, keeping unlawfully {$120000.00} in their possession. 
Thank you.
Product: Debt collection

Issue : Lab tests ordered by a doctor ( XXXX XXXX, XXXX XXXX at XXXX ) I did not even recognize nor have visited. I did not authorized the tests ordered.
Action taken : Called the debt collector and was advised to speak the doctor 's office directly. Then tried calling the clinic several times and was on hold for hours with no personnel helping me clarifying the situation.
Dates : various in XXXX  2017 Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed this account with Experian and informed them that I had already been paid the account off in XXXX of this year for {$820.00} and I then waited for a few months and they still had not made any adjustments to my account and I then contacted them directly and I was informed that the company who had my account needed to contact Experian so I then contacted the original company that had my account common wealth financial and was informed that they would get in contact with Experian to inform them that I had already paid the account off and now I noticed that Experian still has not yet made any changes to my account please help
Product: Student loan

After reading your online advisory for student loan co-signors, I wrote a letter to XXXX and Navient requesting to be released from my obligation on my grandson 's college loan. I am a XXXX-year-old widow with limited income and have health issues. If the good XXXX calls me back, I do not want my grandson to bear the responsibility of paying the loan immediately and totally. I did send both companies one of your sample letters. XXXX did not respond but Navient did refusing to release me because my grandson had not made 4 YEARS of consecutive on-time payments. That is an absurd and unrealistic requirement designed to thwart co-signors from being released. Navient did not provide proof of his payment record with its terse response ; I guess they thought I should just expect the word of a dishonest, reckless company using deception to take advantage of its youthful borrowers. Navient also did not respond to the other questions I posed on the sample letter as well. My grandson can not recall being informed about the income-based repayment plans either. I would like to add my voice to those individuals expressing their concern about being caught in Navient school loans nets designed to snare them and their co-signors with deceitful, unethical and illegal business practices Future loan recipients should be aware of Navient. Finally, I thank the CFPB for its work in exposing these deceptive and harmful business practices.
Product: Mortgage

In 2022 I received a message from a number I did not recognize. The caller claimed to be from Fifth Third Bank and wanted to discuss my account. I looked through my banking records and determined that payments were being sent as scheduled. I was unable to locate any mortgage statements and could not access my account online using my saved password. I was unable to reset my password through the website. I became concerned that I had become a victim of fraud and I called the number I had on record for Fifth Third Bank to inquire about the call and to request assistance resetting the password. I was on hold for quite some time and never reached a live agent. I attempted to call them a second time on a different day and waited on hold for a long time and was never able to reach an agent. Within the month I received a letter from Fifth Third Bank returning my mortgage payment with an explanation that I did not understand. I called the bank 3 additional times to get further clarification on the reason the check was returned and to reset my online password. Despite multiple attempts to contact the bank to speak to an individual to get clarification I was never able to get through to anyone. 

Subsequently, I received a notification from my credit monitoring service that Fifth Third Bank had reported a late payment. I again attempted to contact the bank and was unable to speak to anyone and while on hold had my call disconnected. 

I then initiated a complaint through the better business bureau. The bank replied and apologized for the long hold times but has refused to amend the credit report. I have attached 2 communications I received from the bank that have contributed to my confusion as it appears that payments were not 30 days late. 

Long hold times have made it impossible to reach a mortgage servicing agent. The reason for the discrepancy on my mortgage payments were not clear and despite multiple attempts to speak to an agent for help I was unable to get through to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following credit inquires were made without my knowledge or authorization and I request prompt deletion from my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS : XXXX XXXX & XXXX Potentially negative Date opened XX/XX/XXXXXXXX  XXXX  XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$960.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$800.00} DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
REMOVE THESE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Resident type Apartment complex XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MD XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX THESE ADDRESSES ARE NON-MAILABLE
Product: Mortgage

This mortgage is held by Loancare for a residential property at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. I have had a mortgage with Loancare for several years. It was refinanced in 2009 and at that time an error was made. I own another home, at the address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, which is financed by another bank. However, somehow, when i refinanced in 2009, the XXXX XXXX property Deed of Trust got attached to the XXXX XXXX property, in error. 

I need that Deed of Trust for the XXXX XXXX home, which has been attached to the XXXX XXXX home in error, to be released to me from the XXXX XXXX property so that I can complete the sale of the XXXX XXXX house. 

My Title Company and I have been calling Loancare for more than one month, many times each week and they simply tell me that it is being researched. On several occasions, I've been told the matter would be resolved within a few days and I've been told that I'd get a call back. But nothing has been resolved and I've never gotten a call back. 

I need to have the deed of trust on the XXXX XXXX house released immediately. 

I am hopeful that you can assist me in getting this resolved. Loancare has exhibited the WORST customer service that I have ever experienced and I would never use them again for any business transaction. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report And noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX Concora Credit XXXX XXXX XXXX XXXX, XXXX XXXX, This bank under the name Milestone did a credit check on me for a Mastercard that I never applied for. It showed up on my report and lowered my score as a result. They sent me an email trying to get me to send them verification so they could issue the card. They put a deadline of 30 days for me to reply. 
Reviewed them on the internet and found them to be a bad company. Need assistance in resolving this issue please.
Product: Mortgage

I was severely financially impacted by Covid 19. I lost jobs 2 times during the pandemic, and most recently on XX/XX/XXXX I lost a 2nd job. 
My mortgage on my house is due to foreclose in 1 month. 
My entire life savings has been put into the house and now I May loose all of it. 
For most Americans out hime are our biggest investment. 
There is no way I can start paying a loan back in full this month. 
The loan company failed to send a deferral letter during the entire Covid pandemic and they just sent one XXXX XXXXsaying it was to be signed on XX/XX/XXXX. 
The letter says I have 30 days till XX/XX/XXXX to sign. How can this happen? Mortgage company SPS ( select portfolio servicing ) Sends a letter that was suppose to be sent months ago but they send it 1 day before its due for signing. Which I am not signing. 
Point is also they wont let me have contact with the loan holder to ask to refinance, the current 6.7 % interest rate on my home. When all the new loans for new homes are at XXXX or 3 %. If they would adjust my interest rate to 3 % my house would be affordable. 
But they refuse saying they dont refinance in forebearance. 
Well shouldnt that be an exception, an exception because we are in extraordinary times during a pandemic. 
Wouldnt it make sense to help the homeowner refinance and be able to pay off the mortgage and stay in the home? 
I dont understand why banks would not want people to be able to reduce their interest rate to stay in the house. 

This pandemic is far from over, new variants, new strains will continue to develop until we find a way to beat this thing. 
Economy will shut down firm again in winter when we are all indoors again. 
In the northeast its bitterly cold in winter where will we go to be warm, to take care of aging parents and children on the street? 
In the meantime millions of families, elderly, poor and XXXX will be thrown out of homes. If this county thinks homeless population is high just way for XX/XX/XXXXwhen the foreclosures skyrocket and the only ones who will profit will be the real estate agents and large companies and banks who resell the house for double profit than originally bought. Because theres a housing shortage and these people know they can get maximum dollar in the foreclosure of the home. 
Its pathetic and just what happened in XXXX. Has corporate America not learned anything, has the US government not learned anything? 
Please please help Americans stay in their homes and not be homeless in massive tent cities across America.
Product: Checking or savings account

There was an unauthorized withdrawal from my checking account on XXXX/XXXX/2020, someone impersonated Wells Fargo and text me a link to click on saying that I needed to verify my identity, I clicked on the link and entered my log in information and they withdrew money from my account by using my stolen debit card information at an ATM without my card by using an access code. The first transaction was for {$200.00} and the second one was for {$780.00}, I immediately called Wells Fargo to report the fraud claim within 30 minutes but now they denied my claim and wont refund me the money that was stolen from my account. My claim number is XXXX. Please help me.
Product: Credit card or prepaid card

I have a balance transfer loan at Citizens Bank and have had issues since the card was opened making payments. I have had to go to a branch to make payments which many times is hard for me. I was notified of a payment due today by email but we are going out of town early tomorrow and cant get there. 

I can not access online to make a payment. I can log in but there is no place I can find to make a payment. I keep clicking around the website trying to figure out how to do it but it keeps saying youre not allowed to do that. 

I tried calling and when I punch in the credit card number it says no account exists. I waited on hold for about 30 minutes and no one came to the phone so I hung up.

I am supposed to get paper statements so I can mail in a payment but I have never gotten any. I have complained at the Branch about all this mess but they dont care, just take my check. 

Also, they will not allow you to make a payment of any amount you like. Only the minimum payment or paying off the entire balance. Shouldnt be this way.
Product: Credit reporting or other personal consumer reports

I was in a car accident on XX/XX/year>. I called XXXX XXXX  as well as my insurance company to inform them of what happened. since XX/XX/year> no longer in possession of the vehicle it is in the junk yard. I was told by a representative from XXXX XXXX  that it was taken out of total loss. XXXX XXXX  keeps reporting a missed/late payment on all three credit agencies. I dispute it but it still shows on my credit file. XXXX is refused to pay for the damages because they said I did not have collision insurance but when you finance a vehicle you must have collision insurance so the bank can get paid for the vehicle
Product: Debt collection

I received a call from Conns on XX/XX/2022 attempting to collect payment on my account, rightfully so. I spoke to a guy named XXXX XXXX set up payment arrangements with so that my account could be paid on XX/XX/2022. After I set this arrangement he tried to get me to pay half sooner, I declined, he then stated that I would get late fees, I let him know I understood. Lastly, I asked if the calls would stop since I made arrangements. XXXX then told me that they would report my account as a way to deceive me into making a payment sooner. I never asked anything about credit reporting. I am making this report as I feel that these deceptive practices may be happening not only to me, but to other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXXTHE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXX TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Keys Auto Finance directly, as well as, XXXX, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$590.00}. This account balance is {$0.00} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three credit card accounts with Genesis FS that show as closed and keep being sent to collections ruining my credit report. I am not aware of where these accounts come from and they are ruining my life. I have reached out to have the accounts deleted but the company has been no help the account are listed as other companies such as The XXXX XXXX XXXX, feb destiny, and cb indigo I have done my investigation and they all link to this company with the same phone number and XXXX XXXX XXXXXXXX XXXX, or XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent and + address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.