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

Last XXXX, I was switched to Experian 's XXXX XXXX   after having been on XXXX XXXX XXXX XXXX XXXX due to the data breach. I just found out that XXXX has a peculiar policy where they only update one 's credit data if the user calls in and specifically requests a manual update. This is in contrast to XXXX XXXX and other services I have used where the online data displayed is continuously updated in the background. The Experian XXXX rep I spoke with said that this is just the way the service works. It seems strange enough to me that I thought I would file this complaint to see if their position is correct.
Product: Money transfer, virtual currency, or money service

Ive had no live help with any transactions when I need it I still havent been able to get a new card from cash app after mine was stolen. In XXXX when XXXX XXXX was taking large sums out of my account and I wanted a stop payment I kept getting the run around and never seen a XXXX number either
Product: Vehicle loan or lease

Us auto  is a lie they took my car and claim I tried to run a big truck with a car attached off the road which is completely false! Its was rush hour traffic so that is impossible. If that were the case where is the police report stating I did that were is my charges for endangering the public. I was never arrested or held at fault for anything. I did follow the truck because I needed my life saving XXXX XXXX and I begged to be able to get it and the driver refused to let me I begged and I was told no even tho the cat was XXXX feet away from me. What sense would it make to try and hit or run my own car off the road. There is no logic behind that. The tow truck man was upset because a couple days before and there is police report for it he tried to take my car and I refused to let him and he was verbally abusive and I have witnesses from the location that are willing to speak. I have a right to my meds and because they took them I have had to pay for each pill and vial out of pocket because the rx was recently filled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with XXXX, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.
Product: Mortgage

I refinanced my home to lower the interest, I had a check mailed to me for escrow balance.. the check was stolen out of my mailbox, the perpetrators opened a virtual wallet account at XXXX XXXX.. I contacted XXXX and XXXX XXXX right away to stop the payment to the perpetrators. XXXX listened to me and stopped the payment to the perpetrators and is holding the funds and I have a direct contact at XXXX to contact. However WELLS FARGO AND XXXX XXXX HAVE NOT CONTACTED XXXX TO RETURN SAID FUNDS TO WELLS FARGO AND REWRITE ME A CHECK FOR MY MONEY .... I have done everything XXXX XXXX has ask and nothing is happening ... This has been going on since XXXX!!! 100 's of phone calls later and nothing!! The only person I have a direct contact with and holding the funds is at XXXX they have been awesome.. I spoke with XXXX at XXXX today and NO ONE has contacted her and my money is still sitting there. Will someone please help..
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT TRANSUNION, XXXX, AND XXXX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE THREE MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, XXXX XXXX, AND METRO 2 ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.
Product: Debt collection

I received notice from American Profit Recovery , Inc regarding a debt of {$78.00} owed to XXXX XXXX. My XXXX XXXX account # XXXX has a XXXX balance. Please cease and desist further collection efforts and reporting of a collection to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have three collections in my account that are fraud and XXXX XXXX  is one that refuses to provide any information.. Ive disputed them through experienced and they failed to resolve the issues
Product: Debt collection

Upon looking at my credit file in XXXX of XXXX, I realized there was a collection being report to XXXX   in the amount of {$3400.00} by a company called Perfection Collection. The company said the debt was opened on XX/XX/XXXX This debt is most certainly not mine, and I'd like the matter resolved and removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Product: Credit reporting

As per your request iam seeking to complain for same reason to equafaix, they have rong information on my report tats adverse to my record ... as with trans union. please add these to my complaint..it involves a judgement removed.. as much te XXXX and both XXXX bills and the credit card .... we wish, these adjusted and removed .... the XXXX card in fact, we ask credit collectoras stated to send proof, it beyond statu of limitation, but was n't as we stated not mine. they sent doc belonging to unknown party, who was a plumber? Ive been in XXXX XXXX since 2004, never was plumber ... .or have employees or plumbers ... .. thank you .please refer to original complaint,. XXXX XXXX
Product: Credit card

We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). 
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. 
All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. 
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inaccurate information on my credit report. When I disputed with your company you said it was validated with false/inaccurate documentation. I have filed an ftc identity theft report. I demand that these accounts be removed or else I will have to pursue legal action against your company as these need to be removed immediately.
Product: Credit card

I purchased XXXX ( XXXX ) items on XXXX and paid for them with my XXXX XXXX XXXX. About an hour later I received XXXX ( XXXX ) e-mails saying that each purchase had been rejected by the CC issuer. I called XXXX for an explanation. I was told all they knew was that the charges had been rejected and they connected me to Synchrony Bank personnel. Synchrony Bank told me that my account had been CLOSED. When I asked why, I was told I had not used the card in a while. When I asked why I was not notified about the pending closure, the agent was silent. I was told the account could not be reopened, but that I could apply again for a card. I asked for a supervisor and was told none were working now and to call back in the morning. When I called back in the morning, I was greeted by a computer and asked several questions. The computer then told me that my account balance was XXXX. Apparently the computer knows that I have an account! When I finally got to an agent, I was told supervisors do n't work on Sundays and to call back Monday morning. 
In all the credit card agreements I have reviewed, not XXXX contained a requirement to purchase a good or service within a specific time period. While they list several reasons to terminate an account, failure to charge something on the account is not XXXX of them. Additionally, the agreements require that the cardholder be notified of a pending adverse action. As such, my account should NOT have been closed and I should not have suffered the indignity of having a purchase refused.
Product: Mortgage

Hello, I began the loan modification process after the COVID 19 forbearance and had all of my documents submitted to Lakeview Loan Servicing  ( XXXX ) by XX/XX/2021. They sent notification that our file was complete and was assigned to an underwriter on XX/XX/2021, stating that they would have a decision on our account within 30 days. Today, XX/XX/2021, I am STILL waiting to hear ANYTHING. It's been in this same status now for 75 days. I call and email them frequently and have gotten nowhere. They either just say they are working on it but have no further information nor have an estimated date of completion. When I email, I simply receive no response. Whenever I ask for a manager, I get sent to a generic voicemail box that asks for an extension ( which I don't have, nor have they given me ) or I leave a message and nobody ever calls me back. I'm trying my hardest to get this loan current so I can make a payment. My husband moved to XXXX  from XXXX XXXX  State for work during the pandemic. Now we are trying to purchase a home in XXXX but can't procure a mortgage while this loan is still in this status. We need this loan modification to be completed so we can make three trial payments and at that point, underwriting on our new XXXX  mortgage will proceed with our loan. Until then, we are unable to move forward with anything. We've placed a non refundable deposit on the new home and are fearing losing that money while XXXX drags their feet completing this loan modification. I don't understand how this is taking so long when we are TRYING TO PAY. Please please please, any help you can provide is so appreciated. I want this to be over so we can move forward in life. This has been exceptionally stressful.
Product: Checking or savings account

On XX/XX/XXXX I opened a new Checking account with Key Bank. I had recently moved upstate NY from the city. Two weeks later, the same branch manager that opened my account closed it with no type of notice. I found out my account was closed when I was trying to take money out of my account at an ATM. <P/> XX/XX/XXXX is the day my account was closed and a check was sent to my address with the remaining funds. Customer service over the phone told me there was no reason why my account was closed and I 'd have to ask who opened it for me. On XX/XX/XXXX, I called the bank and the branch manager had me come in to file a declaration of loss. He said he 'd send out a second check now that I 've stopped the first one. On that same day, I clarified if I did not get this second check, what would be the next step? He told me at that point he 'd be able to " emergency release the funds. '' Each time I visit this location I learn something new about my account. When I went to the branch on the XX/XX/XXXX, a representative said my account was closed because I did n't give proof of residence via mail. I was never told this information nor did I get this letter requesting my new address. On the XX/XX/XXXX, the representative told me I had to wait 90 days after my first check was dispersed. Why then did I have to go in and sign a declaration of loss if it did n't speed up ANY process? <P/> It is now XX/XX/XXXX  and this check is still nowhere to be found and I continue to get the run-around. I plan on going back to the branch this weekend in hopes the manager is there since he was n't both days I went in this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I got hit with a hard inquiry on XX/XX/2018. I did not make this Inquiry or sign for anyone to authorize this Inquiry. This is fraud and done without my knowledge. I would like this removed as soon as possible. I tried to call The bank and explain to them the situation as I did not want a hard pull for something I did not do. I noticed this once I got a letter in the mail. I also see it on my XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax on XX/XX/2019 I receive a letter from XXXX that they would request your BUREAU to remove three unauthorized inquiries made from XXXX and XXXX, it would take 4-6 weeks to reflect change on my credit file, it's been pass 6weeks, I have attach the letter receive by XXXX.
Product: Mortgage

I was in a repayment plan back in XXXX, XXXX and XXXX. I had {$1400.00} in my suspense account as of XX/XX/XXXX. According to my lender I failed behind I did not pay submit the payment with 10 days of grace. My grace has always been 15th days. Never I was told during a Forbearance period your grace period is 10 days. On XX/XX/XXXX a check was issued to me for {$1400.00} check # XXXX according to them. I never received the check. On XXXX the XXXX, I asked my lender to put a stop payment on the check and re issued another one. They have not re issued the check and I need the check in order to add to it to make a full payment. Every time I call, I am on the phone for hours and no one can tell me what's happening with the statue of the second check. I am a single mom trying to survive in this difficult time My account with Homebridge financial is XXXX they address is Homebridge Financial. 
XXXX XXXX XXXX, XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Each time, I meticulously listed the disputed accounts and highlighted the violations they were causing to my consumer report. 

Despite this, it has now been over 30 days, and I have not received any response from your end. 

For your reference, I have attached copies of all the letters I sent regarding these disputes. 

I urge you to address this matter promptly and provide a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

Citi Bank/Shell/CBNA opened an account in my name fraudulently in 2017. During a routine traffic stop with the XXXX Police Department, this card along with several other cards in my name were found with an unidentified victim. I was notified by police to come to the station to file a complaint and to pull a credit report for the types of cards. I was not able to obtain the actual card because it was used as evidence. 

I contacted Citi Bank within 30 days of being notified I am an identity theft victim. I provided them with the police report, I provided them with the Federal Trade Commissions identity theft report, I provided them with proof of my address, I also provided them with proof of my name. I have provided them with every single piece of information I can find. 

I asked Citi Bank/Shell/CBNA to at least provide me with the identification of the person that opened the account, they could not because the account was opened online. 

Citi Bank is a very large company, this was in fact the smallest balance of any of the identity theft issues yet this is my most difficult case. 

Citi Bank is unaware of how it works when someone opens a gas card in your name. They continue to pay the monthly bill yet they sell gas to individuals as part of a scam. It is unethical for Citi Bank to ignore this and constitute it as not part of identity theft when they have no identifying information to validate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my consumer rights. I have reached out to them numerous times and they are now willfully non compliant. I exercise my right to privacy.
Product: Debt collection

Please review attachment below. This company have been harassing me about debt that i don't owe as well as i do not know how they received my information.
Product: Credit card

My name is XXXX XXXX and unfortunately, I am victim of identity theft. Because of scam artist fraud my credit score is harmed. Scammer theft my personal information and got illegal credit from Discover Bank using fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I don't have any association with the account. Since XXXX  I live in XXXX XXXX XXXX, XXXX and I have never had any Discover bank account. Please delete fraud account from my name and credit reports. 

XXXX XXXX XXXX