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

I am disputing the inaccurate personal information on my consumer report. My legal name is XXXX XXXX XXXX, and any other name variations should be removed. The only correct address associated with me is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All other listed addresses are incorrect and must be removed. My sole employer is XXXX XXXX XXXX XXXX XXXX, and any other employer details should also be deleted. Additionally, please remove all phone numbers on my report. Per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate. Incorrect addresses and other personal details not only violate the FCRA but may also disrupt postal deliveries and cause unnecessary complications. I request immediate correction of these inaccuracies and confirmation once the updates are complete.
Product: Credit reporting or other personal consumer reports

credit reporting agency reported two late payment accounts with XXXX XXXX XXXX on their system. A dispute was submitted by phone and through the online site on XXXX XXXX with validation from the companies of the error.
Product: Credit card or prepaid card

Gift Card Order # XXXX - {$4000.00} Gift Card Order # XXXX - {$5000.00} Gift Card Order # XXXX - {$20000.00} All American Express Gift Cards purchased online through American Express with an American Express Gift Card. Gift cards were received only to find that they had been partially used before receiving them. Someone had hacked into their site or something and was using them all over the country. Upon contacting American Express they deferred us to the American Express Gift Card department who then told us we personally had to contact each vendor that we see the fraudulent charge was used and try get our money back that way. I feel that we should be getting the money back from American Express as they are the ones who sent the fraudulent products. No one wants to help and just keeps passing the buck. I have spent days on the phone being passed back and forth to each company with no avail. This is just wrong.
Product: Mortgage

I began a refinance with USAA Federal Savings Bank in XX/XX/XXXX and worked mainly with XXXX loan processors : XXXX XXXX XXXX ext. XXXX and XXXX XXXX XXXX ext. XXXX, for a re-fi loan on our second home at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. We had the deed under our trust, and so USAA wanted the trust documents which we gave them in late XX/XX/XXXX. The closing was originally set for XX/XX/XXXX at XXXX CDT, at about XXXX the notary called us and said that the closing had been cancelled because USAA had n't properly reviewed the trust documents ( USAA never called us about the cancellation ). We then set the closing for XX/XX/XXXX. As we were signing the documents, I asked the notary if we needed to sign with all the verbiage of the trust, so the notary called someone at USAA and were told that we could just sign as trustees, no verbiage needed. On XX/XX/XXXX, I received an e-mail from a XXXX XXXX XXXX XXXX XXXX for XXXX XXXX, XXXX ext. XXXX saying that documents we signed were " not what was needed '' and that we would have to resign the trust portion correctly. We had a XXXX closing on XX/XX/XXXX, and, I believe that the loan was funded on XX/XX/XXXX. I told the notary at the XXXX closing that our loan lock expired on XX/XX/XXXX, and if we needed a XXXX day rescission period, we would be past the loan lock. He said to let USAA worry about it. Since the loan did n't close until XXXX, I was told in XXXX separate e-mails that the first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from USAA Federal Savings Bank saying that I had not made the XX/XX/XXXX payment! I called the bank and e-mailed the notice I got from XXXX XXXX saying that the first payment was due XX/XX/XXXX. I reached out to USAA XXXX, and they basically told me that since I had signed the loan documents that said XX/XX/XXXXwas the due date, that I was out of luck. I have all the e-mails and letters I sent and received from USAA, XXXX XXXX, etc. if you need them. Also, USAA said they were sending a XXXX package to our Wisconsin address with the XXXX XXXX payment information, we never received that package. I have paid the XXXX payment on XXXX XXXX, however USAA applied it to the XXXX payment. This whole process has been a mess, poorly communicated, little attention to detail, and not being able to rely on what the loan processors told us via e-mail. I pointed out to XXXX XXXX that the loan figures were not correct, and she said not to worry and it would get refunded to me once we closed, so my question is if the loan we signed said first payment was XXXX XXXX, and her e-mails said XXXX XXXX, why could n't this also be corrected? I asked USAA to refund a portion of the closing costs to us, but they said since we had not been " monetarily harmed '' ( I think having to make a payment a month early from what we thought would constitute a monetary harm ) USAA would not reimburse us any closing costs.
Product: Credit reporting or other personal consumer reports

Recently, I conducted a review of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items. These findings indicate that your agency did not ensure the information was reported with 100 % accuracy. 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information included in consumer reports. Additionally, under 15 U.S. Code 1681i ( 5 ), the law mandates that : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify the information based on the investigation results. 
( ii ) Notify the furnisher of the information that the item has been deleted or modified.
Product: Bank account or service

I refinanced my Fifth Third Home Equity Line of Credit that I had with XXXX XXXX XXXX. The check given to Fifth Third by XXXX was {$520.00} more than what was owed. My husband went into the Fifth Third branch on XXXX, Ohio on XXXX XXXX to request the funds. He was told that it would take 10 business days. 
Well, 10 business days later and now I 'm being told by XXXX XXXX in Fifth Third Customer Service that it will be 5 MORE business days. 
I would like my money + interest. It 's funny that Fifth Third can process money out of my account in 2 seconds, but it takes them 15 business days to return my money?? 
I have closed my mortgage and savings accounts. I would like to close all of my Fifth Third accounts if they would give me my money back! I have never dealt with such poor customer service in all my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking for a investigation because some of the accounts on my credit file are not mine and I am asking for these accounts to be inserted of the correct person credit file. I did a investigation and the person with the same name is XXXX XXXX I gave police department her information when I made a police report.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX ACCOUNT # XXXX, BK OF AMER ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : XXXX5USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX  XXXX ACCOUNT # XXXX, BK OF AMER ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Vehicle loan or lease

My XXXX XXXXXXXX XXXX was involved in a XXXX XXXX  and to make a long story short I was offered a settlement and was told why I was offered the settlement only to be told that Ford was over financing.me and every time I try to reach out to Ford, I do not get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.
Product: Debt collection

I was charged for medical bills that should have been paid in full by XXXX. And some of the bills in collections are duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX. XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.
Product: Student loan

XXXX University Defrauded not only by misled information but by incorrectly financing substantial amounts of indirect costs that applied to my Federal student loans as unused services provided were not relevant. Several attempts to correcting information after months of finally receiving papers of proof to negligence on institutions behalf looking into lawsuits were relevant to case. Some Institutions were forced to close. Also XXXX had all advisors were no longer handling any cases at the time and quit working for them as this lawsuit came forward all students for the class of XXXX including myself were fraudulently taken advantage of. 
FTC had filed a lawsuit against XXXX for fraudulently gaining access into funds for no reproable cause. A settlement amongst students began XXXX year. The advertisements of gaining employment by career advisors and counselors promising that their institution has more leads in landing prospective students right after graduation between XXXX and XXXX were proven to be false. 
In reference to my credit report Navient is not part of the US Dept. Of Education as they are a third party debt collector. They shouldn't have had any rights placing on my credit report 20 times allocating I owe a significant amounts of funds due to the letters I have received in regards to my loans being forgiven which takes years to do. All these past due amounts are inaccurate and false. US Dept. of ED has all information leading to claim status of loan forgiveness program I enrolled so I am asking all of Navient 's reports claiming late or unpaid to be removed off my reports due to inaccurate and false information reported as this is affecting my life and ability to gain employment and other resources. Thank you Sincerely
Product: Debt collection

To Whom it may concern : Consumer Collection Management lists on my credit report me owing to XXXX XXXX. I own XXXX XXXX nothing. When I asked for proof of debt this winter they sent me nothing showing that I owed XXXX XXXX anything. Since the information they are reporting is false I would like it removed from my credit report asap. I have included my request for debt validation, what they submitted and my response pointing out that they did not submit anything showing that I owed XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX XXXX XXXX  And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents
Product: Debt collection

I have an installment loan with Conns XXXX XXXX. My payment is due on the XXXX. I started getting calls for my payment being late on Friday which was the third day late. The calls started Friday and have went on everyday till Monday 7-8 times a day. I was sick with Covid so hadnt got around to it and when I answered them Sunday I explained to them that this is harassment calling 8 times in a day, especially on a Sunday & that payment would be made Monday. I received 7 calls Monday before I made my payment at XXXX. I called to talk to a supervisor to explain my frustration on the numerous calls I was getting and to notate my account to not get anymore calls.
Product: Checking or savings account

Chase Bank put a restricition on my account. I went to the branch on Saturday XX/XX/24 and deposited {$500.00}. The teller said the account was restricted and still took the deposit. I was told later that she was suppose to call it in since the account was restricted. On XX/XX/24 I received an e-mail stated that my account was overdrawn and I immediately went to the branch in XXXX XXXX, California and made a deposit. Again the teller did not call in when the account was on restriction. On my way home, I couldn't understand what was going on and stopped by the branch in XXXX, California. Since my account was restricted I couldn't see what was going on. I asked for a balance sheet and none of my deposits were added to my account and I could not get any of my money. I was mad at the representative and she told me that my account was closed and I could come into the branch the next day to get my money. I did go into the branch but was told that the account was restricted and they could not give me my money. I was also told that my deposit from XXXX was returned which he was never done. My deposit of {$500.00} was not credited to my account.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act Hyundai Motor Finance, has violated my rights. 

Hyundai Motor Finance recently took repossession of my car after I suffered a hardship ( was behind 2 months due to COVID-19 ). Spoke to a representative who asked me when I would be able to bring payment current - upon giving her a 5-7 day window- she explained to me that my vehicle was not currently in a repossession status as of yet but I needed to make that payment. Upon making multiple payments via XXXX  XXXX quick collect totaling over XXXX which was more than what was owed ( my monthly payment was roughly {$670.00} ) right after I made the payment- my car was repossessed a few days later. Upon speaking with the towing company the lady expressed that sometimes they will lie to get you to make the payment and still take the car. I was working from home and with no childcare ( which was due to my daughters dad having XXXX ). I had to cover tuition that month which is what put me behind. I am a parent with one income - so I had no idea that they towed the car. Upon calling they told me that I had to pay the whole loan balance off opposed to the {$1700.00} that they said was past due. Keeping in mind I paid my balance. The tow trucker driver told me that the system is automatic and that because I paid via XXXX  XXXX quick collect and didnt make the payment over the phone and it was the weekend Hyundai probably didnt know it was made. However, upon trying to explain my situation to Hyundai reps I was met with ridicule and condescending tones and one rep even disconnected the call. Ive been with Hyundai Motor Finance for a total of 7yrs that was my third vehicle in a row with them. So to be treated like that during one of the most low moments in my life was very hard. It impacted not only my mental health in the moment - but now I am without a vehicle, this will impact my credit as I am trying to save to purchase a home for my daughter and I. They refused to work with me only manipulate me into a payment just to go against their words. I am still lost and do not know what to do. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and several accounts and inquiries listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent or authorization, and I am taking steps to resolve the situation.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$520.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXX  - {$150.00} Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I contacted a representative at Fortiva concerning waiving a late fee last month. They said they would process it. They processed it as though it was for a month where I did not incur a late fee so instead I still had to pay the late fee. It caused an unexpected financial hardship, so I opted to prioritize more pressing bills this following month. I contacted their " help '' line today and asked if I could speak with a supervisor so I could close my account without paying the fees they claim they waived, but they would not allow me to. They stated " I can help you with this issue, '' " I can submit a request for a late fee waiver, but it's subject to a different department 's approval '', " We already properly processed the other late fee, so you can not have a waiver, '' instead of transferring me to someone competent who could properly do as I requested. If a company does not actually follow through on what they promise their customers, naturally no one would want to retain a card with them, so that's why I am trying to close my account with them. It shouldn't be that hard for them to allow me to pay the full amount I owe plus interest and waive any extra fees. Please never sign up for a card with them. This plus their annual fee and monthly " account maintenance '' fees have made this the most unnecessary card to have in my wallet.
Product: Credit card or prepaid card

Reached out to Chase regarding keeping our account open. The account was 86 days past due and I was told by 2 different reps that if the additional {$300.00} was paid same day, the account would not be closed. I paid a total of {$570.00} in 2 days and then they closed the account even though the payment posting date was XX/XX/28 as they instructed me to do. Now they are saying it was a glitch but they are not able to reopen the account because it fell 90 days past due even though the payment was made with them over the phone to avoid falling 90 days past due. 

I feel lied to. They wanted {$600.00}, they got it and closed the account anyway. I want the account re-opened as they promised. Both calls were recorded and the rep today could see where I did everything I was supposed to do.
Product: Debt collection

I have a loan that I never physically signed an agreement for with Navy Federal and I've been informed that they have been in talks with my chain of command about this debt.
Product: Credit reporting or other personal consumer reports

Please update my account and credit score. This account shouldn't have been removed. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 XXXX  if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a one page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.