23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

l have a XXXX XXXX XXXX XXXX XXXX. I shop at the XXXX 's XXXX XXXX near my home and have been a customer for many years. I have always kept up with my bills, but suddenly I have received a bill telling me that I have gone over my credit limit of {$10000.00} and that I must pay them {$1300.00} by XX/XX/2022. 

I have been paying them around {$100.00} a month up until I received this huge bill. I contacted XXXX 's XXXX by phone and the woman said she would transfer me to " Hardship Cases. '' I was transferred to " Hardship Cases, '' and they told me to call the number on the bill to get information about credit counseling services. I called and there was no one there. 

I've been scrambling around trying to figure out what to do. I can not understand why XXXX 's XXXX did not deny the {$1300.00} in purchases when I ran the card in the store. I never would have gone over my limit on purpose and every card I've ever had, would automatically deny any charge over my limit. 

I can not tell you the stress and panic I have been experiencing since I have gotten this bill. 

I called XXXX 's XXXX yesterday to request a higher credit line in hopes that it would resolve the situation, but they said " NO. '' Is there anything you can do to help me? I am able to pay the {$100.00} a month.
Product: Debt collection

I have a collection account which occurred in XX/XX/XXXX after I felled to pay a cell phone with XXXX. XXXX provided its customer with an options no pay on cell service during the pandemic when we were out of work but they came back and wanted large payment on the account in which I couldn't afford so I lost my service after being a loyal customer for almost a decade. They assigned the debt to Amsher Collection agency who said I owed {$3500.00} + in. I requested a bill outlining what I owed this amount for on many different occasion but I stilled haven't received one. I saw where this showed up on my credit report in XXXX of XXXX. I contacted them again asking for a outline of my charges because it was way higher then {$1700.00} XXXX originally owed the collection lady said she was sending it out, so I started making payments to clear the {$1700.00} for now in XXXX of XXXX because it was affecting my credit score. I still never received the outline of charges. In XX/XX/XXXX, I accepted a 50 % pay off in which they said they would report to the credit bureau the account paid in full. I paid {$500.00} on XX/XX/XXXX, but was unable to pay the {$1100.00} + on XX/XX/XXXX and they wouldn't extend the offer until XX/XX/XXXX stating it was for only 30 days, I said oh well, Ill would just take the matter to court, after speaking to the Manager name XXXX who talked very rude to me. Now they have updated the credit bureau saying the accounted was assigned to them in XXXX of XXXX which caused my credit score to drop 16 points due to this false information. It appears as if it was just assigned to them and its a brand new debt. I contacted them and disputed this incorrect information. XXXX stated XXXX took the account away for a short period and reassigned it back to them in XXXX of XXXX. I have filed a dispute with the credit bureau about the incorrect information on this account and they keep disputing it as accurate. I have no billing information to dispute this account with and Amsher has never provided me with any. This a case pf unfair business practice and is using our personal and credit credentials as a pawn to try and make us pay something we dont owe. I contacted XXXX and couldn't provide me with another credit agency that this account was with. They resubmit the information to the credit bureau so they will continue to show as a high impact and recent debt to affect the consumer from getting new credit when the collection is actually an old and incorrectly charged debt,
Product: Debt collection

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.
Product: Credit reporting or other personal consumer reports

Section 623 ( a ) ( 6 ). If a furnisher learns that is has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must therafter report only complete and accurate information. The following items has been identified as inaccurate and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as a consumer in the US my rights has been violated, specific to section 16668, 1681a, 6058, 1691i, my credit report maintained by your agency contains inaccurate accounts that are severely impacting my financial standing and reputation. Remove the accounts listed above or I will be forced to take further action, in addition I am requesting a block of information from my credit report. this is not in error or a misrepresentation on my behalf. Please remove within 4 day
Product: Credit reporting or other personal consumer reports

I noticed more than several different Inquires on my credit report concerning all three Credit Bureaus, Experian, XXXX, and XXXX. I did not authorize or have knowledge of submitting or applying for these companies. My information was stolen because of several different Data Breaches that have taken place that my information was housed at. These are the different Credit InquiresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute unauthorized, inaccurate, or fraudulent information on their credit reports.
Product: Debt collection

I noticed a debt from XXXX XXXX on my credit report.. The only account I had was in XXXX.. I continued to dispute that this should be removed from my credit report.. and I don't recognize the amount owed.. I have the right to this only being on my credit report for 7yrs.. I've not had any other accounts with XXXX XXXX except for a prepaid account in which I paid monthly.. that wouldn't lead to overage in debt. I've disputed relentlessly with the credit bureaus.. I'm not sure why this hasn't been removed.
Product: Vehicle loan or lease

This complaint is against Hyundai Motor Finance. On XX/XX/, the loan for my car was paid in full. Statement as well as account history indicates that. But till date a title has not been sent to me. I have now moved to a different state and unable to register the car in this new state as I am not able to show proof of ownership.
Product: Credit card or prepaid card

I have had a Keybank credit card since XX/XX/2012, I have always paid my payments and my credit limit has always been {$2000.00} but after I made a {$1000.00} payment towards my card they decided after looking at my credit score which I didn't authorize they lowered my credit line dramatically and posted to my credit score about it which lowered my credit score. I talked with Key bank and they said it's what happens when you look like a risk factor and me paying the large amount made them look into me. I want my credit limit back to {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score shows that it has not been updated since XX/XX/2022. There is no option to refresh and get an updated score. On the screen it showed that the score would updated in 1 day but the 1 day has passed and the score has not updated. I still see the score hasn't been updated since XX/XX/2022. I filed a case on XX/XX/XXXX and there have been no updates or changes for the case since then. I have called to check the status or get an update and had 2 reps hang up on me before I could get further information.
Product: Checking or savings account

Me and my wife have accounts with XXXX it's a financial company and partnered with evolve trust bank. They froze the accounts XXXX day suddenly on XX/XX/XXXX since then they and did not provide any informarion on the access to our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I have a credit account with Kay Jewelers which is past due. I tr to make payments when i can, but their collectors constantly harass me with phone calls at all times of the day and night. They start at XXXX and continue through XXXX everyday of the week, Saturday and Sunday included. I have told them they should be receiving a payment on Tuesday, the next business day, but the calls continue, up to 12 calls a day.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. XXXX XXXX XXXX colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost XXXX times the worth. I attached the Settlement offer that XXXX company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail XXXX weeks after having the car. I did not have a XXXX paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that XXXX XXXX XXXX allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get XXXX to accurately reflect that my account was correct, From XX/XX/year> to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for XXXX XXXX blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want XXXX to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against XXXX for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/year>. I have been harmed financially, personally, and mentally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an effort to get personal information that does not belong to me removed from my Equifax credit report, I have called Equifax on numerous times. They refuse to correct the information.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Correction of Personal Information on Credit Report To Whom It May Concern, I am writing to request an immediate correction to the personal information that is currently listed on my credit report as maintained by your agency. This request is made under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681, which emphasizes the accuracy of information in consumer reporting. 

Name Correction : My correct legal name is XXXX XXXX XXXX, exactly as it appears on my driver 's license. Please update my name in your records to reflect this. Additionally, I request the deletion of any and all aliases or variations of my name that are currently associated with my credit profile. 

Address Update and Deletion of Incorrect Addresses : My current and only valid mailing address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please update this as the sole address in your records. Furthermore, I request the removal of the following incorrect addresses, which are non-mailable and undeliverable for me : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These inaccuracies in my personal information could potentially impact my credit score and financial opportunities. It is imperative that your records accurately reflect my personal information to avoid any future inconvenience and possible financial repercussions. 

I expect these corrections to be made in a timely manner, and a confirmation sent to me post the update. Furthermore, I request a revised copy of my credit report post these corrections for my records. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me for any further information or clarification needed to expedite this process. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Monterrey Financial, through its representative, XXXX XXXX, reported negative information to credit bureaus. This information was reported despite the fact that on XX/XX/24 she told me her investigation of my dispute was not complete and that she would notify me when it was complete. On XX/XX/24 I was notified that she had reported me to the credit bureau as owing the debt without any indication that there was an incomplete investigation on her part. On XX/XX/24, I received an additional report of a bad credit history being reported. This preemptive action when the investigation is not even complete and I have been told was still pending is violative of the Fair Credit Act in multiple ways. It is an obvious attempt to coerce payment of a debt that is not due.
Product: Debt collection

I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my consumer report that should not be there. XXXX XXXX ( XX/XX/2022 ).
Product: Mortgage

I have tried for several months now to get one simple question answered. How much do I need to pay off in order to get one month off the back of the loan. No one can answer me. I am concerned because according to the amortization schedule the loan should be finished in a shorter time because I paid off 3 moths but the statements are not reflecting that I paid off those months. I already filed a complaint with this " Consumer Financial Protection Bureau to no avail. Complaint # XXXX BUREAU WAS NO HELP. The mortgage lender, Mr. Cooper, responded to my complaint by setting up an auto response email that said nothing of value and attached a copy of the amortization schedule. I already have that on the on line account! I DONT NEED ANOTHER COPY. The email says contact them if I need anything else so I did, and what did they do? THEY SENT ME TO ANOTHER ROBOT THAT SENT ME ANOTHER AMMORTIZATION SCHEDULE!! No phone number to call, no response, just the same statement to contact them if I need anything else. What kind of world is this? I can't get any help from Mr. Cooper or from this terrible useless Consumer Financial Protection Bureau. It is CLEAR no one cares, no one is there to help and this agency is completely useless.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX  with account number XXXX XXXX  with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX Names XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX Inquiries XXXX
Product: Checking or savings account

I performed XXXX transfers from my domestic personal XXXX checking account to my U.S. Bank business checking account. I performed the transfers from the U.S. Bank interface. The funds transfer web page did not indicate that these were going to be wire transfers. 
There was no indication of the type of transfer and no fees mentioned on the web page. I thought I was doing XXXX  transfers because no fees were mentioned and the webpage says the transfer will take XXXX business days. Then, a few weeks later U.S. Bank charged by account {$56.00} in wire transfer fees. When I notified U.S. Bank that those transfers were expected to be XXXX transfers and their their funds transfer page DOES NOT indicate that the transfer are wire transfer and have wire fees, U.S. Bank still refused to refund the fees. 

I have simulated another transfer and attached XXXX screen shots to demonstrate that the U.S. Bank funds transfer page on my account DOES NOT indicate any fees associated with the transfer. It DOES NOT indicate that these are wire transfers. And it shows that the transfer will complete over XXXX or more days, which would lead a customer to assume that this is not a real time wire.
Product: Mortgage

I am current on my mortgage and pay it through their online portal. 

The statement they sent me reflects a 3 month past due status. 

The online portal shows both the fact that I am current and the errored statement of account. 

When I called and spoke with their representative he advised the statement would be corrected and the correction would be reflected on my next statement. He refused to acknowledge our conversation in writing via text/email or otherwise.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I checked my credit to see how I can in prove it and notice fraudulent accounts and information that was inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX & XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX