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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I booked in XX/XX/XXXX a ski festival package with XXXX, in beginning of XX/XX/XXXX the festival was cancelled, after a quick call to the provider i was promised a full refund and after a few days they emailed a few times that by XX/XX/XXXX i will get a full refund. Fast forward to mid XX/XX/XXXXthey just offering a voucher for the future. I went ahead and disputet the charge however chase sided with them, since its a government shutdown, which doesn't mean i have to pay for that and ignoring all the times they guaranteed a dull refund.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX  made on XX/XX/2023 in the amount of {$150.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Experian shows incorrect information regarding account XXXX XXXX XXXX. 

Experian shows the account was paid off on XX/XX/2023. However, Experian also is reporting a late pay for XX/XX/2023. This is not correct information. 

I requested an investigation and was never notified of the results or provided any documentation. In addition, Experian will not let me re-dispute this item. 

Experian 's error is hurting my credit.
Product: Checking or savings account

I requested to close a savings account and the Wells Fargo Bank branch manager and bankers inform me if I close the account I would be charged fees. I withdrew all the funds out of my account with the understanding it would be closed but instead I was charged fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17 I was notified of a hacking on Equifax 's database. Through their fraud checking website I was made aware that my personal information, including social security card, name, and birthday, may have been compromised in this hack. 

On top of this, after checking with equifax about the chances of your information being compromised, they offer a year of protection for free but in the terms of service it says you waive your ability to file a lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request that all inquiries resulting from the breach be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following inquiry should be blocked and deleted : XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was made as a result of unauthorized access to my personal and financial information due to the data breach. I kindly request that it be immediately removed from my credit report. Please provide confirmation once the inquiry has been deleted and send me an updated copy of my credit report.
Product: Student loan

We have tried to work with Coast Professional , Inc. since we received the first notification from them on XX/XX/XXXX. I contacted Coast Professional , Inc. because I had divorced and moved frequently and was trying to locate the information to repay this student loan. Because the amount they wanted me to pay monthly was unrealistic I submitted the Financial Disclosure For Reasonable and Affordable Rehabilitation Payments. Since that time I have spoken to several employees who tell me if I will send this information my payment will be $ XXXXmonth to if I send this information my payment will be XXXX XXXX/month. In XXXX I had XXXX tell me to file paperwork with the US Department of Education and wait to see that they would decide which I did XX/XX/XXXX. I received a letter from the Department of Education giving me a reasonable payment of {$190.00} with garnishment which I would prefer to pay this debt directly, but I can not get Coast Professional , Inc. to agree with this letter even after I resent them the letter and information again. I spoke to XXXX who ask for even more information and then XXXX on XX/XX/XXXX at which time he said the payment would be XXXX XXXX/month which I could afford, but then I received a letter from Coast Professional , Inc. stating I would need to pay {$290.00} for notify them of my objection which I have done. I need for someone to review my account and assist me in coming up with a payment of which I can pay. I am asking for you to investigate Coast Professional , Inc. and how they mishandle their customers and do not try to assist them. They give out fraudulent information even after you comply with everything asked of you. 
We have all of the documents to support this complaint, but they have confidential information on them. We can provide if requested.
Product: Debt collection

I received a wage garnishment notice, I have never had a loan with Tower loans and I do not nothing anything about this. on XX/XX/2023 I received notification of a wage garnishment. I have never been contacted by Tower loans in any way including mail, email, or a phone call from them. The amount that they are claiming that I owe is {$3400.00}. I was never served any documentation to go be summons to court.
Product: Credit reporting or other personal consumer reports

I am writing concerning Experian handling of information regarding disputes, closed accounts, and information that should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert on my experian credit report that a loan for XXXX dollars from a company called Money Lion had been taken out in my name. That day, I immediately locked my credit file, placed a fraud alert on my credit profile and filed a dispute with XXXX. The dispute number was XXXX. In early XXXX I was alerted that Money Lion stated the loan information was accurate and my dispute was denied. I called that day and filed a second " fraud '' dispute with experian, # XXXX. I was notified early this month that dispute was also denied. I also filed a report with the federal trade commission. The overdue balance has now reported to my credit and my score has dropped significantly. Please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

A check for escrow account over payment was issued by Bank of America, XX/XX/2019This check was sent to the wrong address and therefore never received.. When I became aware of this in XXXX I called the mortgage department of the bank and we clarified all information regarding mailing address and phone numbers. I was promised another check, which I have never received. Again in XXXX I called and spoke with the mortgage department we again verified all information and I was promised another check. Each time I was told they issued a stop payment and issued a new check. Again it was not received. After a couple of weeks I called again in XXXX and we went through the same process which ended in the same result. I called again XX/XX/2019, spoke with a supervisor and was promised a replacement check via overnight delivery and a phone call with a tracking number to be able to track the delivery. I did not receive either. I called again XX/XX/2019 to inquire about the overnight delivery. Again I spoke with a Supervisor, and after spending 40 minutes on the phone most of the time waiting I hung up and decided to complain. To date, XX/XX/2019 this issue has not been resolved. Each of these phone calls have taken at least 30 minutes of my time with no results and Bank of America holding on to {$760.00} for approximately 3 months. 

If you are able please resolve this for me.
Product: Credit card or prepaid card

midland credit management responded to my letter by saying that they are using the Texas finance code. I have never open an account in the State of Texas. They didn't provide me the following : the original amount or credit limit of the contract. No XXXX on the credit report No complete credit history from the beginning of the original contract. the response i got from this debt collector was, quote, '' in order for us to further investigate i need to send you information that you should already have. act # XXXX : amount : XXXX. Send me a complete and accurate account with all the information in it or Delete it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is XXXX XXXX and the collection was paid to NATIONAL CREDIT ADJUSTERS. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps claiming I have an open dispute every time I request a free copy of my credit report and refusing to furnish a copy on these grounds.
Product: Credit card or prepaid card

I received a XXXX XXXX XXXX XXXX card through the mail. I did not request it. I phoned to speak to someone as to how this happened but their computerized menu does not allow that possibility. I want to know how and why they are able to send a financial instrument with my name on it without my consent or request. And then you are not allowed to ask.
Product: Student loan

The loan servicer, MOHELA, constantly calculates the incorrect payment amount when the interest rate resets on my variable student loan. MOHELA 's payment calculation fails to account for pending monthly payments, thus using a higher loan balance in the calculation, resulting in a higher monthly loan payment. MOHELA always recalculates the loan payment amount on the day that my monthly payment is made, so there is always a pending payment when the calculation takes place. I provided electronic correspondence to MOHELA months ago, informing the company of this issue and have not received a response.
Product: Debt collection

I have been trying to get this account with credit acceptance updated since XXXX. The account balance on this account is {$0.00} and the account is closed. Im not understanding why this account is still on my credit score as delinquent. I really would appreciate if it either came off or shows my balance as {$0.00}. I have tried to dispute this account 3 times I have submitted documentation showing the account is closed and that the balance is XXXX. Im not sure what else to do to get this account updated.
Product: Debt collection

At the end of XX/XX/XXXX , I made payment to Chrysler Capital in the amount of  XXXX  $ for  XX/XX/XXXX  XXXX   XXXX  through a supervisor. A portion was deducted for a processing fee which was greater than  XXXX   XXXX  A hold was placed on the account so that my debit card payments were denied,  XXXX   XXXX  payments were not accepted and pay by phone options were denied to me. On XX/XX/XXXX  an agent from the office of the president lifted the restriction stating that it should not have been placed on the account and another payment was made by me in the amount of  XXXX  $ via  XXXX   XXXX . On XX/XX/XXXX , my vehicle was scheduled for repossesion. My address has been changed previously without my consent, and I had to c all to have it changed back to the previous address. Telephone numbers have been added and subtracted from my account without my consent. Some of the agents are rude and abrasive, others are amazing ; ( the amazing ones are far and few between ). My biggest concern is the lack of consistency from one agent to the next. The information that I receive differs from agent to ag ent. I have been with this company for the greater portion of 3 years. I do not see where my balance has decreased much at all, but the harrassment has definitely increased. My loan should be completely paid within the next 2 years. I will not repeat business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Product: Mortgage

On XX/XX/XXXX, we paid off our mortgage through a refinance. We did not have an escrow account for taxes and insurance, but during escrow, the payoff was overestimated, which resulted in an overpayment of {$3600.00}. This overpayment was deposited to an impound account. 

I already knew that there would be a large overpayment, I had been watching and waiting for the refund. I did receive a letter from the mortgage company stating that if there was an overpayment, they would be refunding it within their regulations and guidelines. 

By accident, I found a letter posted in my on-line account dated XX/XX/XXXX entitled Annual Escrow Account Disclosure Statement. {$3600.00} was deposited into the impound account. In addition, interest in the amount of {$4.00} was added for a total of {$3600.00}. In addition, there was a copy of a voided check in the amount of {$3600.00}. I assumed that I would receive this check within one to two weeks. 

On XX/XX/XXXX, I called the company. They verified that the check was cut and believed that it was mailed between XX/XX/XXXX and XX/XX/XXXX. They told me that it takes a long time to get the mail from XXXX XXXX to XXXX. I asked what are the steps if I don't receive it. They said that if I don't receive it, they would put a stop payment on it and reissue the check, but that I have to wait at least 30 days from when it was cut to request this. 

I find this situation unacceptable. There was never a late payment on this account, and the mortgage company 's loan has been more than satisfied. I think it's reasonable to wait 30 days to get a refund, but I do not believe it's reasonable to wait an additional 30 days or more to actually get the money. As long as I do not have the check, the mortgage company has the ability to have use of the money. I also think it's abnormal for even the US Post Office to take a month to deliver a check. I know that's never happened when I receive my bills. The company representative also told me that this happened to another customer and it took over 3 weeks for her to receive a refund. I am suspicious that the company may have a process to hold mail back to enhance their profit while continuing to date their letters and checks to look as though they're compliant with their regulations. The entire process from loan origination back in XXXX until this closing will keep us from ever pursuing a loan of any type with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-NY- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX about this issue and they still wont remove these inquiries that wasnt authorized by me.
Product: Vehicle loan or lease

I was purchasing a car through US Auto. I was told that Westlake financial had taken over. There is no contact or a title to get if I continue paying. I could not get any answers from Westlake or anyone else. The car was repossessed on Sunday XX/XX/2023. I am without a car, and my money has went down the drain.
Product: Checking or savings account

Midsouth bank closed my account and only said I wasnt the kind of person they do business with and even though I offered to prove the legitimacy of any funds they didnt care. They gave me a cashiers check that they put a hold on later and have me with no money to my name. When I first went to the bank to ask why it was being closed I tried to record a conversation only to be threatened by the teller that they would call the police. I told them it wasnt right to treat customers that way and that I would let ppl know how wrong Ive been done and not to do business with them. In response they have now said I have threatened the teller and are using their power against me based on complete falsehoods. It is wrong to treat ppl like that
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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 : Attorney General - Child Support have 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 an account without my written instruction.

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: Debt collection

The collection company has add this collection account to my credit report 5 times. Each week they add a dollar to the balance and add it as a new collection and I have no knowledge of this account. Fraudulent activity is occurring with this company.