23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this company failed to provide service because of lack of manpower during the coved pandemic, I called the local representative a bunch of times. One excuse after another, so I canceled my service. The local contact tried to talk me out of canceling but I had paid for service not delivered. I thought I should receive a refund, but to no avail. They brought out a second receptacle, which I did not order. Called back and canceled again, so they said set the receptacles out in the barrow ditch. By this time I had signed with a different provider for the service. I kept receiving bills, I continued to call the local number which wasn't being answered with any regularity. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Idaho. 
XXXX. I had canceled XX/XX/XXXX and was in good standing at that time. The bills kept coming as though I was still a customer. I had balanced my account with a local representative over the phone and she had agreed I was current.
Product: Debt collection

This account should be deleted because it still reads amount due is " unpaid ''. This debt was paid in full on XX/XX/2018.
Product: Mortgage

XX/XX/XXXX I received my property tax information in the mail. On the tax information was included a line saying my mortgage company had requested this information. I checked online and Discover home loans had, again not updated the information sent to them and decided to pay the incorrect amount, which will in turn be sent back in a month to them. I faxed the information and also send the file over to the contact department that day. Discover has no record of either of these items yet I kept the copy of the fax being received. The problem is EVERYTHING that escrow is supposed to be paid is not paid by Discover in the right amount which I have to pay with my own funds and wait for a refund from Discover a month or two later. Discover has been doing this for the life of the loan. The fact that I send them the information and they ignore it makes me wonder how much interest they are making on other peoples money from their escrow accounts while the people have to take extra money out of their own accounts to pay the bills so they will not show up as delinquent. I am getting tired of losing interest and the headache of having to do this EVERYTIME insurance or Taxes are due. If the company can not do the job, they should not require escrow accounts so that homeowners can pay the bills themselves and not have to go through the headache and higher XXXX XXXX that comes with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX  LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Vehicle loan or lease

In XX/XX/2022 I was buying a new Car for my husband the dealer ships had extremely high rates. I applied with Pentagon Federal credit union was pre approved for the loan. Once i inputted the vin number there system could not pull it up in XXXX because it was a new car. 
I then reached out to customer service about this and they said if the program couldn't pull it up then they couldn't do anything about it. 
on XXXX  XXXX I emailed XXXX XXXX the CEO for PenFed about the issue i was having with there system and being surprised the advanced technology that they had that made the merger with XXXX XXXX XXXX XXXX XXXX such a good thing wouldn't allow me to finance a new car at the 4 % or so rate versus the 11.04 % the dealership presented me with. 

I then receive a call from XXXX this person was requested by XXXX to call me. During our conversation she said that there were a few issues with the system that they were hopping to have worked out in a few month and were going into XXXX  at the end of the month. But that if i go ahead and get the car then penfed would refinance it as soon as they could. She would also let me know how the testing went and when it would be available. 

I never heard back from her. So i went online and try to refinance my car and was declined on XX/XX/2022. As of XX/XX/2022 I have failed to recieve the adverse desion letter from Pentagon federal credit Union. 

I reached out to XXXX on XX/XX/2022 no reply. 

I reached out again on XX/XX/2022 and received a call from XXXX XXXX. She stated that she is requesting the adverse action letter to be e-mailed to me in the next 24-48 hours. She said there is nothing they can do about the denial. Unless i provide documentation to disprove XXXX. But i still haven't received this letter so that i can begin this process and credit reports are only good for 30 days. I asked about the promise of Pentagon Federal credit union to refinance my car and she ignored it. 

At this time it looks like on the loan end Pentagon Federal Credit Union is going to cost me at least XXXX dollars in the first 12 months of ownership from there lack of willingness to refinance my car as they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was getting a loan, the bank had mentioned that my credit and payment history is excellent but of one negative on my report for delinquent payments. I said I pay all of my loans. They mentioned Affirm and I have no idea who they are. I called Affirm. They wouldnt give me any information because none of the questions they asked me matched. I asked to speak to a supervisor or manager. Again none of our info matched. I asked them if they have my ss # so I could say my last 4, and they said they dont have my ss #. I asked if they could email me what I could do. They dont even have my email address. I asked them what this was for and they said they can give me that information. I have disputed this with XXXX. They cant even give me info what is it that I supposedly bought. I dont know what else to do but just know that anyone can put something negative on my credit report without having my personal information. I do whatever I can to keep my credit good and something like this is so frustrating and irritating that theres nothing I can do to maintain this. I feel helpless and I dont understand why I'm getting stuck paying someone else 's stuff. If I'm going to get stuck with this payment can I atleast get whatever it is?? Thank You! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, XXXX  and Equifax buy phone and by mail more then three times, informing them they are reporting information that do not belong to me. The accounts listed using different names, different social Security numbers, different addresses. They have not taken the proper measures to correct the mixup.
Product: Checking or savings account

I tried to open a bank account with HSBC a few months ago ( XX/XX/2022 ). Due to the fact that I missed a few calls where HSBC asked for additional documents, HSBC decided to close my account and to deactivate my online banking. At this point I had already transferred USD XXXX to the account. 

HSBC communicated the closure to me a few weeks after the account opening ( end of XXXX ). Since this time ( 3-4 months ago ) I am trying to get my money back. I have not received any communication from HSBC that would talk about how to get my money back or that HSBC is working on it. I received a check for USD XXXX mid XXXX ( it wasnt communicated what this was for but I assume this was interest ). 

Since XXXX, I have contacted the HSBC customer service team many times, last time about 4-5 weeks ago. The only communication I received from them is that they cant help me as another team is responsible. This team would not take any customer calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XXXX XXXX I visited the Citizens XXXX XXXX Branch located at XXXX XXXX XXXX XXXX in XXXX XXXX NY, XXXX. My intent was to do business locally and reinvest my XXXX which was initially $ XXXX but I had to pay $ XXXX in taxes when I withdrew the funds in XXXX. Final check received from XXXX was approximately $ XXXX. In turn, I made an appointment with the Financial Adviser at my local branch and met with XXXX XXXX XXXX. In meeting with him, I explained I had already paid taxes once on the funds and wanted to reinvest wisely. XXXX XXXX assured me the product being presented would make more money than a traditional IRA but was still and IRA. With not having any background in the financial sector I believed he was investing my funds to the best of my interests. In early XXXX when I met with my accountant she was stunned and appalled at the actions taken by XXXX XXXX. He has invested my entire retirement check into a non qualified account - an annuity. This has caused me to have to pay State taxes of approximately $ XXXX and Federal taxes of $ XXXX. I tried to speak to the bank about the matter and was disregarded and told I knew what I was investing in. My accountant then contacted XXXX XXXX to discuss. He stated I was in a hurry and insisted he complete the transaction. I went to Citizens as I needed a financial adviser which I could trust locally. I went to have them look after my best interests. This was not provided. I am in financial ruins due to the advice I received from Citizens bank. XXXX XXXX put my retirement into a non qualified account ( Annuity ). This was all the money I had saved in my career and {$10000.00} dollars had to be paid to the government on top of the XXXX I paid initially to withdraw the funds For the next 7 years I have to pay the IRS {$120.00} a month and since NYS does not allow a payment plans I had to withdraw the XXXX from savings to pay the state. It is now late XXXX and I was notified by Social Security that my monthly check will be reduced by {$75.00} due to the fact that the XXXX was viewed in my XXXX taxes as income. In addition, I went to my local town hall to submit my taxes for my senior property exceptions and was told I most likely would not qualify due to making XXXX in XXXX. This will add an additional {$200.00} to my monthly mortgage payment. I could potentially lose my home due to this investment. I feel XXXX XXXX unfairly sold me a product and was deceptive of the terms of the agreement and did not clearly explain the financial consequences. In XXXX of XXXX I did write a letter of compliant to Citizens bank and mailed to the president of the company certified mail and sent a copy of the letter to the Citizens financial office. I was contacted by an Compliance Officer and she stated an investigation would be opened. I received a letter shortly after confirming the conversation. At this time, not enough time has passed for a resolution but my concern is if I was deceived once it may occur again.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I opened it XX/XX/XXXX. It was reported to Credit reporting agency XX/XX/XXXX. It started with about {$5000.00} and now XX/XX/XXXX it 's at {$28000.00}, 26 years later. They, all XXXX CRA 'S, are still reporting, they, all XXXX CRA 'S deleted Dept of Education, XXXX, XXXX, now NAVIENT. Maximum years reporting has passed 7 and even 10 years. All CRA 'S deleted the Dept of education account, now the put it back on this is unfair, I would like this account deleted. They have the date opening for this account as XX/XX/XXXX, first reported, XX/XX/XXXX. 
This account was opened in XX/XX/XXXX as mentioned above.all conflicting dates. I disputed date of original opening and they all deleted this account. Now they have put I back on all XXXX CRA 'S. I am almost XXXX years young, lol, trying to rebuild my credit and they are purposely trying to mess me up
Product: Money transfer, virtual currency, or money service

Okay so the first issue I started having with Cashapp was wed XX/XX/XXXX @ XXXXXXXX XXXX  I contacted support and told them that my cashapp wasnt letting me receive any payments so after that they said they would get me to someone that could help me mind you this is what a cashbot said not an actual person so when they claim they finally got someone name XXXX to help me I told them that payments were being canceled every time someone sent me money so they said after taking a look at my account they confirmed that the payment exceeded the number of transactions and they told me that I could try the payment later so the next issue was outta no where on XX/XX/XXXX at XXXX they suspended my account for no reason and when they had did that I wasnt even active on my cashapp I had stop using it but of course I still had funds on there which is {$1400.00} in my savings and {$36.00} on my cash balance so I let them know that when I had woke up it says my account was suspended so they told me to let them check on my account and basically see whats goin on I also let them know like I needed to transfer my money Im a single mom and that was actually my rent money so after that they said Ill reach directly out to our specialty team and they ask for a email that they could reach me at so here we are in XXXX as of today they are still holding my money failed to fix my account or let me withdrawal my money when I talk to someone on the phone they said oh you just have a frozen balance but then like in XXXX they just closed my account outta no where when they never said they was closing my account I literally did nothing and they still have my money till this day
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX I returned 7  closet doors purchased XX/XX/XXXX to XXXX. However, I was credited for only 6 doors. I discovered this when I got home and examined the refund slip. I was not able to reach XXXX, so I called Citibank and submitted a dispute on the phone for {$47.00} XXXX {$45.00} cost of the door plus sales tax ). XX/XX/XXXX Citibank notified me that based on XXXX 's response they were reversing the conditional credit and invited to submit additional documentation in support of the dispute. XX/XX/XXXX I submitted a lengthy letter and additional documentation showing that either Citibank did not fully advise XXXX of the nature of the dispute or the XXXX was negligent in how it conducted its investigation and concluded that the dispute was invalid. XX/XX/XXXX Citibank responded thanking me for providing additional information regarding the dispute, and that they are reviewing it and will get back to me. However, Citibank failed to do any of this. Instead, XX/XX/XXXX they sent me a letter saying that they appreciated my feedback and simply closed the dispute. This is simply unconscionable -- it is evident that Citibank did not conduct any investigation and just accepted XXXX 's response at its face value when reversing the conditional credit XX/XX/XXXX. And then on two occasions -- XX/XX/XXXX and XX/XX/XXXX -- they invited me to submit additional documentation and assured me they will review it, but simply issued a letter a few days letter saying that they appreciated my feedback..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with XXXX XXXX credit card. They are reporting inaccurate information to the credit bureaus. I am applying for a mortgage. Had a 3 way call with XXXX. The balance on my report is over XXXX XXXX  was verifying my account on a recorded line. They stated that there is a contract agreement between us. In which my balance at that time was XXXX. The contract I was to pay XXXX in XXXX by the XXXX. In which they got on the XX/XX/XXXX. They stated that from XX/XX/XXXX to XX/XX/XXXX was 30 days late. Then told XXXX  that from XX/XX/XXXX to XX/XX/XXXX that was a late payment. Even though it was not 30 days and the agreement was started on XX/XX/XXXX. They then marked all there bureaus late 30 days. They then for XXXX marked me 60 days late even though they got both payments. One for the XXXX and XXXX payment that is according to the contract. They in fact told XXXX  that my balance at that time was XXXX but stated the credit bureaus will not be updated to reflect the current balance which was lower then the current amount. The lady from XXXX  XXXX got upset talked to her supervisor about the account. Acted like they had no idea who XXXX  was and at one point tried to lie and stated even though there is a contract they do not have to update the credit reports. I stated on the recorded line so you are refusing to update my credit report to show the real balance they stated we don't update the account to show that unless the balance is paid fully. XXXX  stated that according to the fdcpa and fcra they must report accurate information. The person on the phone was refusing to deal with XXXX. So after we hung up I filed a report with them for fraud. They removed it and sent a message to XXXX  and Transunion. So XXXX  and XXXX  removed it. But Transunion is refusing to remove it even though XXXX  sent that message and told them they are not providing accurate information and they should remove that account as they and XXXX did. They are still on Transunion and I can not get them to remove the account nor have them update the account according to the payment that was agreement. XXXX  stated if I get an attorney they would be able to request the phone recording. Stated they should not be on my report. But because of the late payments they posted even after the agreement the credit score is being ruined and I am now unable to get a loan. The XXXX payment is not due till XX/XX/XXXX and I paid it early but they still reported me as late and my score keeps being damaged.
Product: Checking or savings account

XX/XX/2021, ,Continued Issues, ,Nothing Has Changed With Wells Fargo Bank , ,But I Spoke With XXXX XXXX, ,In Meditation on Monday,, XX/XX/2021, ,at. Wells Fargo Bank AtXXXX, ,There Are No Payments Sent At ALL, This Is So UnAcceptable Behavior, ,They Are Trying To Get Me To Settle For, ,A XXXX XXXX  Settlement Payment And Identity Protection,, I Do Not Agree With This At All,,, This Is Not Making Them Be Accountable For ( ALL ) The Old And New Messy Mishaps,,,, They
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today and was advised that my Equifax report was locked. I have not locked my report or requested for my report to be locked. Equifax has done this in retaliation for pending litigation I have against them. My