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

I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just noticed that your company pulled my credit and there are a bunch of inquiries I dont recognize. I didnt authorize them, and its really stressing me out because its affecting my credit.
Product: Credit card or prepaid card

Today, I signed on to usbank.com to use the bill pay service. I had notifications on 2 of our credit card accounts with them that both showed those accts hadn't been paid since XXXX! In my investigations and conversations with their reps to find out why I had not received paper bills for these accounts, they informed me that they were changed to e-statements only. I did not make this change and have declined paperless statements many times, which my account record would show. Our granddaughter has one single account under the umbrella of our accounts but is only in her name. It looks like when she requested ebills for her account, something she clicked made ALL of our accounts paperless EVEN THOUGH SHE IS NOT ON ANY OF THOSE ACCOUNTS. We have worked very hard to bring our credit rating above 800 and now it will show 30, 60 and possibly even 90 days late on 2 of our accounts as they haven't been paid since XXXX due to my not having a paper bill in my hands. They did credit one of the accounts the late fees but not the other one. Not to mention I had to pay nearly {$400.00}. all at once, today, to bring those account current. There has been extra interest incurred on both accounts due to not having the principal lowered for all of these months. How dare they allow someone who is not even on those accounts make this type of change on them?! I am furious and will be closing all of our accounts at USBank as soon as I can. I would do it this very moment but there are pending charges, so I have to wait until they all clear. I will then use the next balance transfer offer I get in the mail ~ and believe I get a lot of those! ~ to transfer all credit card balances away from US Bank. They will not earn XXXX XXXX more from me that I can avoid. It is unconscionable for them to allow changes to be made to any account by anyone other than the account holder ~ and then to hold us responsible for the extra interest and late fees associated with said changes is appalling. Do I have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the two inquires that I don't recognize and have nothing to do with them 1 ) New tradeline by XXXX, business type N/A to Experian on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2 ) New inquiry by XXXX to Experian XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - nonspecific I got the information from my XXXX XXXX web page account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Everything has to be accurate on my credit Credit bureau stated my account was properly investigated but how is that possible if the open date is in accurate..This ground for removal immediately they also violated my rights under..15 U, S, C SEC 1681A States I have the right to privacy.15 U.S.C Section 604 A2 : it also states a consumer reporting agency can not furnish a account without my written instructions...
Product: Payday loan, title loan, or personal loan

This loan was for the purchase of a boat. Start date XXXX XXXX with Yamaha Installment Financing,  XXXX XXXX. Beginning XX/XX/2020 Yamaha Motor Finance Corp. U.S.A. took over these loans and they are no longer serviced through XXXX XXXX  . 
The XXXX statement was sent by XXXX XXXX. Our payment was made to XXXX XXXX, XX/XX/2020 with a due date of XX/XX/2020. 
We received a letter from Yamaha Motor Finance Corp after the payment was made, instructing us to update payment information after XX/XX/2020. The account number was off by one digit. I have been trying to call them since Saturday XX/XX/2020 and can not get thru. The recording says 1 hour wait time due to heavy call volumn. I have made several attempts to reach them. They sent two more letters, one correcting the account number and the other that we are past due on our payment, will be charged a late fee and a negative credit report may be submitted to a credit reporting agency. 
XXXX XXXX  now has a recording that these loans are no longer serviced through them and to call Yamaha Finance at XXXX. Then the call disconnects. Everyday I try to call and several times a day and can not get thru. a/c XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experiain is reporting inaccurate information on my credit report. XXXX do not respond and refuses to give me access to my free credit reporting account. I have paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to pay these accounts and file a 1099C on my taxes for them. Yet, these accounts remains on my report. That is against Federal law to continue to have them on my credit report.

They are also reporting duplicate of the same accounts and accounts over 7 years remain on my credit report. All 3 bureaus has different information and XXXX never reponds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was neve

r late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... Please proof I was late on this as account it reporting different on all
three credit agencies. 

XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year>
Product: Credit card or prepaid card

Company name : XXXX XXXX, AKA Care Credit Card on XXXX/XXXX/17 ; the Check from CareCredit ( medical credit card ) was returned and assessed a {$12.00} return fee. The check was completely legitimate and there was no reason to return it and not honor the check. I called the Credit card company and faxed them all the necessary paperwork to get {$400.00} credit back to my account, they agreed and put it in the notes that it was approved by accounting department ; however, when I called later they kept telling to wait and never honored they commitment to issue a new check or credit my account. I would like the {$400.00} credit and the {$12.00} return item fee back on my account.
Product: Debt collection

Amount {$670.00} XXXX XXXX/MRS debt ( XXXX ) is trying to have me pay the amount not owed by me. 

I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again. 

Please investigate as i already paid this to XXXX XXXX and was settled in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD is showing that I applied for a credit card on XX/XX/2021. Reported by XXXX. I did not apply for a credit card to this company on this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted XXXX, transunion and XXXX and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

Incorrect Name : XXXX XXXX XXXX INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX AV XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX This account needs to be validated XXXX 
XXXX  XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX XXXX XXXXXXXX Account XXXX This account needs to be validated. 
XXXX XXXXXXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX XXXX XXXX Account XXXX This account to be validated. 
XXXXXXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX Account XXXX This account to be validated XXXX XXXX  XXXX Account XXXX This account to be validated XXXX XXXX XXXX XXXX Account XXXX
Product: Vehicle loan or lease

I applied for a auto refi loan with XXXX through Lending Tree to get a better interest rate and lower monthly payment about two weeks ago and discovered an error on my credit report. Today, I called and the error had been corrected with an improved credit score of XXXX. XXXX is a scam -- in order to obtain an auto loan with a decent interest rate and payment customers have to agree to purchase GAP insurance. The offer was a 5.1 % interest rate which is better than my present 7.99 %. I refused the deal because the sales rep stated that my payment will increase from {$550.00} to {$570.00} and not decreased. The reason for this offer is that I refused GAP insurance. There is no way my new monthly payment at 5.1 % interest for the same amount of months would increase instead of decrease. This is a total scam, and this company should be shut down immediately.
Product: Debt collection

On or about XX/XX/2019 a Utility Company Based in XXXX New Jersey called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). alleged that I owed them {$560.00} from a Utility account that was later sold to IC System Inc. I became knowledge of the account because it was being reported on my XXXX XXXX Consumer Report I made ample attempts to get this matter fixed with IC System and I was not successful in doing so. 

IC System Inc continued to pursue collection efforts dispute all the correspondence I mailed to them about the Fraudulent Alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed that Transunion was deducting {$19.00} per month from my bank account. I never authorized this. I called and they said I had ordered credit monitoring in XXXX of XXXX. I never did. I simply asked for a temporary lift on my credit freeze and then to re-freeze. They said that I had ordered it but I am sure I did not and I never received any documentation from them about " credit monitoring ''. So from XX/XX/XXXX through XXXX of XXXX has Transunion has deducted {$19.00} from my bank account. They owe me {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America and XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Student loan

I first submitted my IDR application on XX/XX/XXXX and received notice it was processing. My application was then in process without any provided explanation for over 2 months. On XX/XX/XXXX, I received correspondence from MOHELA saying my repayment plans had changed and I had been placed on the LEVEL plan ( standard repayment ). Because I assumed this meant that, without explanation, my IDR application was denied, I then resubmitted my IDR application after receiving this on XX/XX/XXXX. My application was again listed as processing through XX/XX/XXXX. On XX/XX/XXXX, I received communication from MOHELA saying my IDR application was approved but MOHELA placed me on the incorrect XXXX plan. I had requested to be placed on the plan with the lowest payment. My husband did the same with his servicer, XXXX, and promptly was placed on the SAVE plan with a payment less than half of what MOHELA provided me on the PAYE plan. Because MOHELA placed us on the incorrect IDR plan, I then resubmitted another application on XX/XX/XXXX. I received a document on XX/XX/XXXX saying I was again placed on the LEVEL plan. 

I then placed a call on XX/XX/XXXX after again receiving this correspondence. The employee I spoke with was XXXX, employee ID XXXX. I received no explanation for these changes, prolonged processing, or mistakes in which repayment plan I had been placed on ( note, I was placed on hold for an hour for the employee to check my account to try to ascertain why these errors are occurring ). I was given the excuses that MOHELA has had a lot of calls and has had updates to its system and that after my latest application, my IDR request will be processed again and can take another 2 weeks. I then asked to speak to a higher level employee who called me back on XX/XX/XXXX. This employee 's name is XXXX, employee ID XXXX. She gave me a case number which I can provide at your request. XXXX told me my case has been escalated further and I should now hear in 3-5 days. 

As of today ( XX/XX/XXXX ), my account is still listed as being under the standard LEVEL plan and per my MOHELA portal, my application is still " processing. ''
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report, and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights
Product: Mortgage

NewRez mortgage servicing took over my mortgage XX/XX/XXXX. The terms of my mortgage do not include escrow for taxes and insurance. 

I made a payment for home insurance to XXXX XXXX XX/XX/XXXX. It is current. 

NewRez made an additional payment to XXXX XXXX XX/XX/XXXX. This is not in the terms of my mortgage. 

They currently report that I have an escrow account with a - {$1000.00} balance due to this payment. 

I have contacted NewRez to rectify this issue. I sent an electronic message through their portal XX/XX/XXXX and have not received a response. 

I called them today XX/XX/XXXX and was asked to upload documents proving I had paid taxes ( which they have never been responsible for ) and insurance ( which they have never been responsible for, and erroneously submitted a payment ). I have yet to receive any written communication from them via email to submit this documentation. They stated I would receive an email. 

They have issued me a statement claiming that my mortgage payment will increase to cover this escrow shortage. This is an accounting error on their part, and is not an escrow shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, and XXXX XXXX  XXXX XXXX. 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 instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX I returned a call to a company claiming to be litigation on behalf of a client. The name of the company was XXXX XXXX and XXXX. They claimed to be attempting to collect a debt that originated in XXXX although they inaccurately claimed XXXX because they are the second company to attempt to buy this old debt. The accusation was that for a small checking account overdraft at XXXX XXXX XXXX in XXXX MIchigan of less than {$100.00}, they would be serving me a lawsuit in which they would seek over {$6500.00} in the form of a judgment against me. They said I would be getting served notice of the civil suit. During the call, they also proceeded to read me my full social security number over the phone and further had run an unauthorized hard inquiry on my credit report. He was reading items off my credit report to me during the call which made me feel unsafe. He also threatened that my wages would be garnished XXXX XXXX or I could settle with a payment plan. The next day, I received another hard credit inquiry from the debt collection agency. The debt collection company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to XXXX, XXXX XXXX. XXXX that they were not REPORTING my XXXX XXXX XXXX XXXX. Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, XXXX, XXXX, TransUnion have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT!

I reach out to them on 6 occasions. NO RESULTS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have problem with my credit score with XXXX and TransUnion. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in TransUnion was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with XXXX and TransUnion earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried from the beginning of XX/XX/XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.
Product: Credit card or prepaid card

I received an offer in the mail from CIti Bank promoting a zero percent interest rate on balance transfers for 14 months. The offer stated to apply by phone or go online. I went online and applied and was immediately accepted. When I received the card the information included showed 24.78 % interest on balance transfers. I contacted the company immediately and was disconnected after talking to one individual, called again and the rep was difficult to understand and when I asked to speak to a supervisor I was told that they would tell me the same thing that I did not have 0 % interest. He said he would send a ticket and I would receive a response in 3-5 business days. A week later I called to ask a status and was told would take up to two weeks to receive a response and they were working on it. I advised the rep that they should know what campaigns were mailed and this was ridiculous and very misleading. I need someone to research this issue and advise why Citi can bait and switch consumers.
Product: Vehicle loan or lease

I was in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX to trade in my old truck for a new one, I had a language barrier with the finance person he said I can have the new truck with no money down, so he made the paperwork in the contract does not said how he got the down payment about 30 days later I received an statement of a credit card under my name given by XXXX , I never authorized that credit car and never spent any balance. so when I went to XXXX to ask them why they did that they took XXXX for down payment and never disclose that to me the Finance person refuse to talk to me. 
I don't know what to do, I fell abuse, mislead it. and I am not making payments on that credit card to me is a fraud and abuse I need to solve this matter cause I am not agreed to any credit card. and I can not make any more payments other than the truck and on top of that the finance is very high Can you please help me so XXXX do not keep doing the same to others they are responsible to explain what they do with the clients. they can not hide down payment they are forcing customers to get what they wants not the consumers I am terrible disappointed at XXXX. I was told to talk to the media about this abuse, but I want to see if we can solve this issue and stop the waste of money and time I only speak XXXX can you have some one to talk to me in XXXX  please XXXX Thank you XXXX XXXX