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

15 us code 1666b 15 us code 1666 15 us code 1681b As well as this information is just plain incorrect! Ive never had an account with dignifi Ive contacted XXXX and experian! No one is listening
Product: Debt collection

COLLECTOR KEEPS CALLING MY CELL PHONE 6 TIMES AFTER I TOLD THEM TO STOP, THEY ARE SKIP TRACING FOR MY DAUGTER XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my wife and her 2 sisters inherited property from her parents estate after her fathers death. She sold that property, and split the proceeds with her 2 siblings. In XX/XX/XXXX, we went to refinance a home we had purchased, only to find out that the state of Alabama had assessed a lien on our credit, without even telling us. We fought the lien, and were able to get it RESCINDED, which means it was an error. We have provided a copy of the official letter from the State of Alabama Department of Revenue which states that the assessment was " RESCINDED '', as we never owed that amount, or any amount for that matter. 

Currently, on my XXXX and Transunion credit reports, I am still being shown as having a Tax Lien for {$9900.00}, showing that the lien was " released ''. Released is not Rescinded. We didn't pay that amount, we weren't forgiven or released from owing that amount, we don't owe that amount, and it was rescinded. I called the county clerk myself, and verified that there is no public record showing that I ever owed the state of Alabama that amount, and there is no way that they should be able to verify it, because it's not there, it was rescinded. I have written to both companies demanding that they remove this from my credit report, and they refuse. I am now filing a complaint.
Product: Mortgage

I am a senior, trying to pay ff my mortgage. When I called Mr Cooper for the payoff number earlier this month, they wanted to charge me {$25.00} to tell me the number. Instead, I paid off the outstanding loan amount. Yesterday, I received a letter with the pay off amount {$100.00} if I paid it THAT DAY. I got onto my computer and transferred the amount plus 2 days additional interest to the lender. 
After reading the paperwork sent with the statement, I saw the payoff amount must be via a wire transfer or a certified check. This is a huge problem for me right now. Pennsylvania is still a red state. It is difficult to do a wire transfer or certify a check with limited bank hours and since I've been quarantined for the past 11 weeks, I'm not comfortable going into the bank. Then, the several days it will take for the mail to deliver to the lender, or the additional money it would cost to XXXX  the check plus the cost of a wire or certified check all add to my financial burden. Why is this a stipulation when the mortgage company will already have my pay off amount on Monday and I certainly would not be ale to take it back? This arbitrary rule would annoy me under normal circumstances but as an immuno-compromised older citizen, I find it to be heavy handed and mean under these Covid 19 circumstances. I might also add I have never been late with a payment and have never given this company any trouble in the past. I simply need them to work with me here.
Product: Consumer Loan

When the lease on my BMW X3 was coming to the end I met with BMW of XXXX dealer and negotiated all the financial obligations on my part related to the end of the lease agreement. As such I paid them negotiated amount of money.Thereafter, I turn over to a dealer my old car and I have negotiated a new lease agreement for a new car- I signed a new lease on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received an email from a dealer informing me to come and pick up permanent license plates ( see Attachment ). When I arrived to the delaership I was told that I would not received my license plates until I pay them {$580.00}. In fact, XXXX XXXX XXXX, a dealer informed me that this amount {$580.00} I own to BMW FinancialServices for end of the lease charges XX/XX/XXXX ; that was when I returned my previously leased car from BMW of XXXX. At that point, I told the dealer that I have not received any demand for payment from the BMW Financial Services since I leased my previous car in XX/XX/XXXX. As such, I strongly objected to the dealer '' s demand for payment telling him that this is an extortion to demand from me to pay for unsubstantiated claim from 2013 year.In addition, I asked the dealer why he did not mention that I had any outstanding balance with the BMW Financial Services when I had negotiated a new lease. In response the dealer said, that he just recently learned from the BMW Financial Services that I owned them money. Again, I asked him to show me any document to proof that i owned money to BMW FS but he did not have any such document.At that point, I left the dealership without paying any money. Shortly after, I received an email from the dealer demanding {$580.00} to be paid to BMW Financial Services ( see email ). Because my temporary license plates were closed to expiration date, I went back to the delership and they accepted my payment of {$400.00}. In my opinion this is unprecedented that BMW Financial Services had fabricated that I owned them money since XX/XX/XXXX. I have not seen or receive any documents from BMW Financial Services showing that I owned them any money.
Product: Debt collection

The call comes in unknow. I've asked them to stop clling me but they continue to call myself and my husband 's phone. I have no business with them nor do we want to. Very unprofessional employees as well.
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and discovered incorrect and inconsistent reporting for the XXXX XXXX account XXXX. The reported late payments for several months do not align across the three bureaus ( XXXX, XXXX, and Equifax ). For example : In XX/XX/XXXX, XXXX shows 30 days late, but XXXX and Equifax both report the account as OK. In XX/XX/XXXX, XXXX and Equifax show 90 days late, but XXXX reports 120 days late. This inconsistent reporting suggests data errors and does not reflect the account 's actual payment status. The current status reflects 120 days past due as of XX/XX/XXXX. However, my account payments were not accurately recorded, and the account should not be reported as severely delinquent. These discrepancies are harmful to my creditworthiness and must be addressed. I have attached a copy of my credit report, along with the specific payment history discrepancies highlighted for your review. Please investigate this matter and provide me with a corrected report or written confirmation of your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only reason I found out about this error is because I applied for a mortgage and the mortgage lender said I had to wait another 1.5 years for the judgment to be 2 years old on credit. This inaccurate information has caused me to not get approved and possibly losing my {$4000.00} in earnest money. 

I applied for credit with the mortgage lender and they pulled factual data and then used LexisNexis Risk Solutions to check public data and judgments. The 3 credit bureaus no longer report judgments but LexisNexis does, this is how I was able to see it was on my record and reported incorrectly. 

I went to court in XX/XX/XXXX on a XXXX account that was charged off in XXXX. Before the 7 years was up, XXXX XXXX sold the account to XXXX XXXX XXXX and They got a local attorney to take me to court on an account they charged off meaning they wrote the debit off on taxes then collected for the debit they wrote off. 

When I went to court, I immediately agreed to settle the account for less than half of what was owed. The attorney XXXX XXXX should have immediately sent the release or satisfaction of judgment which would have been dated for XXXX but instead, according to the court house, they sent the release XXXX of XXXX. This caused the satisfied judgment to appear as it was satisfied in XXXX XXXX instead of XX/XX/XXXX. Mortgage lenders require judgments to be satisfied for 24 months which has caused me harm due to the miss reporting from all parties involved. 

Not only was the judgment released 5 years later by XXXX XXXX, but was reported inaccurately to LexisNexis on an unpaid creditor debit that was charged off 7-11 years ago.
Product: Credit card

I've asked Capital One to stop sending me credit card offers. I already filed a complaint against them last year and I am again receiving offers. I want them to stop sending me credit card offers. 

Capital One sent me a credit card offer for their Quicksilver card in XX/XX/XXXX XXXX 

I don't want anyone intercepting my mail and applying for a credit card. I also have to spend MY time opening their mail and shredding my personal information. If I have to do this every week for multiple companies, it's a waste of my time.
Product: Credit card or prepaid card

On XX/XX/XXXX I accidentally sent a payment in the amount of XXXX to my closed account at American Express. I meant to pay my open account but accidentally sent it via my XXXX Bank bill pay to my closed account number. After realizing my mistake, I called America Express and was asked to submit bank statements to prove that American Express had received this payment. I did this immediately. I have followed up with American Express on several occasions and it is still not resolved. ( 2 weeks ago, American Express told me it was resolved and that I would receive an email the next day, yet nothing was sent. ) I am not sure what to do at this point and need some help resolving this. 

Please note that the account number on page 4 of this complaint is for my active card. My inactive card ends with XXXX.
Product: Checking or savings account

I am filing this complaint because when Harris Bank upgraded its online mobile and online banking system, it opted me in to services I did not agree to and is not allowing me access to my overdraft line of credit balance and payment history. On XX/XX/19, Harris upgraded its online and mobile banking platform without prior notification to customers. When I attempted to log in on XX/XX/19 via my mobile device, I received an error message advising me that the app was no longer active and advised me to download the updated app. Harris Bank has multiple apps and the message did not specify which app to download. After several attempts, I did have the correct app but it kept crashing when I tried to pay my bills. I paid my bills online via my PC and sent a message to the Bank via my online messaging center regarding the functionality and difficulty with this new platform, but received no response as of this date. On XXXX I contacted the XXXX help desk to ask how I can turn off the constant e-mail messaging I was now getting from Harris each time a bill was paid from my account and how to de-activate the e-bill option. Harris had started converting my bills to e-bills without my consent. While this conversion was only for 90 days and I would still receive paper bills, it was a service I did not opt in for and they had no method of allowing me to cancel it. After being on hold for 1/2 hour, I did reach a representative who was not able to assist, even after troubleshooting with me. She transferred me to technical support and my call was dropped. No one called or emailed me back with additional information. On XXXX I received a notice that my overdraft line of credit activated. When I logged into my account both via PC and mobile, I could not find the line of credit. It was not listed with my accounts as it had been in the past. I called the help desk and the rep was not able to assist me and did not appear to be familiar with the new platform. She transferred me to technical support. I am typing this while on hold, clocking in at 45 minutes now. During a review of BMO 's mobile app since the new platform, I noted 473 1-star ratings and 54 2-star ratings. Harris ' XXXX feed has dozens of complaints related to this upgrade. The BMO digital app for XXXX  also has dozens of posts of users being frustrated with this app. The saving grace for the individuals posting on XXXX and XXXX  app platforms is that they received a response back from Harris. I have yet to be contacted. I was told by the rep that if a call is dropped, they are not allowed to call the customer back. I have now clocked in at 53 minutes on hold and will hang up. Harris Bank has a responsibility to listen to these complaints and at minimum, have appropriate ( trained ) staff available to handle calls and consumer complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/XXXX, XXXX- I had paid my Best Buy/Citibank credit card in full. After that decided to file for a credit increase online on their site due to my frequent use of the card. The following webpage ask for the standard information and I'd clicked submit. 

Shortly after I received a notification stating I had an hard inquiry from XXXX. Shortly after I immediately contacted Best Buy credit services customer service and explained the situation. I'd told them that if I was informed that there was going to be a hard inquiry, I would had passed on going forward on filing for the credit increase. 

They was unfortunately of no help and stated it was policy. The following business day I contacted XXXX  and was told to the get a letter of the deletion from the company who pull the hard inquiry. 

Once again Best Buy/Citibank was of no help at all. A XXXX  representative told me the only way going forward was to file an FTC complaint and file a police report.
Product: Payday loan, title loan, or personal loan

I made two payments to my account and my premium didn't go down. When I called about the problem they said that when I applied for the loan that I must have hit the refinance button by mistake but it's nothing they can do about it. I asked them why would they approve a refinance on the same day that the loan was taken out on when it's not going to be beneficial to the customers. And all she would say is that it's something we offer to the customers. They are intentionally taking advantage of customers. I would like this company investigated and shut down. They said it happens all the time. Yet they haven't fixed the problem. Literally when you are filling out the application for the loan it's a button on the screen saying refinance and all you have to do is put the button and its done. No signature or nothing. It's very confusing because people think it's part of the loan process when they are just taking your money.
Product: Credit card

I received a letter from US bank with the date XXXX saying that i tried tp open their credit card but they denied for some reason. This is the second time someone tried to open credit card on my name. What is happening i have no idea. Someone probably has my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit System (    collecting for  XXXX  ) account #  XXXX  - states I owe {$380.00}. (  XXXX  )  XXXX  In    XXXX   XXXX   XXXX    I opened a cable account with  XXXX  for an extended cable package. My husband wanted a sport games Package. We went with  XXXX  because of this. The games were completely blurred out. We called often. There response was never timely. They had us reset our equipment and it would work for a day or  two. T hey sent service people out with no change. We checked Our premier channels and we were having the same problems. After 4 months we took the equipment back, paid what we owed and terminated the contract. We went with  XXXX   XXXX . That package was as pricey but they did deliver.  <P/> In   XXXX   XXXX   I discovered a negative reporting on my credit report. In  XXXX   XXXX   XXXX   XXXX   XXXX  reported I owed {$380.00}. I inquired and they sent a bill for {$440.00} In the bill {$240.00} was for early contract termination and the rest was for partial equipment not returned. In addition the bill reported payments paid for the last month we had service.  <P/> I called  XXXX  and they said the bill was too old for them to view. They suggested I travel to a payment center to see if they could pull it up. I asked for a supervisor because my work hours did not allow me to go to a payment center and I thought they could order the report or I  could FAX my b ill that  Southwest se nt and we could discuss. They transferred my call to a unit that resolved issues but the custo mer Rep  XXXX  said they probably had given us credits for when our service was out and that is all they would say. I could not get them to address anything on my bill, the early contract termination fee or the alleged partial equipment not returned. I did return all equipment. They kept reporting the bill was too old.  <P/> The issue was that my husband or I complained numerous times about our service. Yes they pro-rated us when we complained. However we did not receive the service we contracted for. After 4 months we terminated the contract. We did n't receive any bills from  XXXX , we had n't moved and over 3 years later  XXXX  reports to the credit bureau for a bill that consists of early termination fees and purported partial equipment return.
Product: Credit reporting or other personal consumer reports

Transunion provided they verified bankruptcy # XXXX with the US Bankruptcy XXXX - Nevada .. which was determined a lie!! Transunion also claimed this was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at Transunion who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! Transunion has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was discharged!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682
Product: Student loan

My daughter currently has a student loan with Discover which I pay for of {$44000.00}. A previous loan {$20000.00} ( estimate ) we paid off in XXXX. My daughter and I contacted Discover to refinance the existing loan which is on a variable term basis and currently at 6.5 % to a 3.7 % fixed. We completed the application with their representative and she told us that my daughter was declined. I told her fine do it with myself as a co-signer and they said she can only have a co-signer if she's approved first. We checked her score with Discover on line and it came back XXXX which is far higher than most. In addition when she took out the loan she was a student unemployed and now she is an attorney, has excellent credit & employed full time for over 3 years and they deny her. And to also say she can't refinance even offering to apply with her myself who score last I checked was XXXX seems highly suspicious! I feel that Discover is taking this action to avoid lowering the interest rate be paid. That should be highly in violation of the fair lending act. 
I have attached a copy of my daughters credit score pulled from Discover 's web site for purpose of validity. Also I've attached a copy of the Discover loan detail page.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove this information resulting from identity theft upon receipt of my request. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I phoned in to capital one to make payment arrangements as I was sick with the flu and out of work for one month. Payment arrangements were made on both accounts that I have with them. I specifically concentrated in the account ending in XXXX due to the length of time a payment was not made. I was sent an email confirming that no payment was necessary on XX/XX/XXXX. The payment was now due on XX/XX/XXXX. I received notification on XX/XX/XXXX that a late payment was recorded on my report with regard to this account. This is NOT the first second nor third time that Capital one has incorrectly reported late payments to the credit bureau concerningcmy accounts. At this point does capital one need to be taken to court??? It's absolutely ridiculous. Not only did this affect my report but my husband is an authorized user and this gas decreased his score XXXX points!!!! It's absolutely unacceptable. I want my report updated correctly and my account monitored by corporate. There's no way in XXXX this happens repeatedly. I want it corrected like yesterday! I had plan 's on purchasing a new car on valentines day with a now XXXX point decrease!
Product: Payday loan, title loan, or personal loan

I took out a XXXX XXXX loan in XX/XX/XXXX and have already paid more than the balance of the loan. I have come to some financial hardship due to high medical bills for our son. I called XX/XX/XXXX and asked for a repayment plan and told them that with my work contract I would be going with a three week period of no paycheck and they said they can't change the payment schedule and will need to pull the money out anyway knowing I won't be getting a paycheck. This will cause overdraft fees on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, 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 or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB