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

I submitted a complaint with CFPB XXXX. where I complained that they arbitrarily closed my credit card and discriminate me. they never sent me the written response they said they going to send me on the previous complaint. They in violation on my consumers rights and they keep treating me like a second class citizen not responding to my emails.
Product: Credit reporting

I reviewed my annual credit report with Equifax and i noticed that an old closed account in XXXX from XXXX XXXX bank still showing in my report. I 've contacted Equifax twice to get this account removed from my report since it has been well past 7 years. Others credit agencies like XXXX and XXXX have remvoed this account, but Equifax is refusing to do so. The keep claiming that " its reported correctly '' or " that it belongs to me '', i 'm not saying it did n't belong to me nor that its incorrect, what i 'm stating that it should be off my credit report at this point. I 've called them to ask if i was filling out the dispute correctly and made the additional comments and a XXXX of their representative said that i was. Their website does n't give you an option that says " remove account '' then state why ; their options are very vague and i do n't think it fits this purpose of taking off closed over 7 years accounts. Moreover, Equifax is claiming that the old credit grantor " XXXX XXXX bank XXXX '' has reported to them this information. However, when i called XXXX XXXX bank directly to XXXX numbers provided on my dispute, No one on XXXX XXXX was able to find out anything about this account - as if almost disappear from their records. I have to write to XXXX XXXX to get an investigation going because it 's such an old account opened in XXXX and closed in XXXX ; that makes me wonder where is Equifax getting their information from???? It seems very suspect to me, that my account is being reported to Equifax but when i call the credit grantor they ca n't find anything on MY account! 

Please help me investigate this issue and I 'll contact XXXX XXXX in writing as well. FYI all these phone calls are recorded and i can even tell you when i 've called XXXX XXXX and Equifax. 

Let me know what else would you need from me. Thank you so much!
Product: Debt collection

XXXX /2016,  XXXX ,  XXXX /2016,  XXXX , none just now looking at my credit report I had identity theft someone been using my social
Product: Debt collection

Midwest Resale Specialist, Calls for different numbers, call ID people businesses names. Called twelve times on Sunday XX/XX/23, Please help!
Product: Credit card

I was scammed by a company called XXXX who said they could lower my monthly payments and interest on my credit card account. Once I realized what happened I notified my bank which has my checking and savings accounts and my credit card company. I did this on XXXX XXXX for Bank of America and XXXX XXXX for XXXX XXXX. XXXX XXXX and Bank of America both closed my old card and account information and issued me new cards and account numbers. After this Bank of America allowed a {$3800.00} cash advance, which I did not authorize, to process and this was deposited into my checking account. I am willing to repay the cash advance but Bank of America refuses to clear the cash advance fee or the late fee I incurred after I changed my checking account on their website, but they did not debit the account as they were supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} has 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 a 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.
The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everythi
ng was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me XXXX  and a lot of stress as I have no faith with this system.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Have already submitted a FTC Identity theft report to XXXX  and equifax and they have ignored my request to remove accounts and personal information from my credit report that has NEVER belonged to me. Ater submitted all required documets they have ignored my request to remove these accoutns. this is the second time i am submitting a FTC identity theft report with all required documentations and sending it along with this CFPB compliant, This issue is causing me a unfair credit score and i can not even get a job, i have been refused a job because of my credit report and those accounts do NOT even belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Police Report along with FTC identity theft affidavit identity to Experian ( twice ), XXXX, and XXXX. The Accounts were removed by XXXX and XXXX. Experian has failed to remove the accounts, and have also failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. Experian is clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the account, Experian is still reporting the fraudulent account on my Experian credit report. If they do not remove the account, I will be force to pursue legal action against Experian.
Product: Prepaid card

Purchased a Netspend prepaid card XX/XX/year> and loaded it with {$100.00}. I Tried to activate the card and it wouldn't work. Spoke with customer service several times and they kept telling me to activate it online. When trying to activate it online the website told me to that something was wrong and to call customer service. I went back and forth with customer service for months. Filed a claim with XXXX XXXX XXXX and Netspend customer service sent me and email stating that they are sending me a refund check. A few months went by and I didn't receive a check. I emailed back and was told the refund is on its way. It has been almost 2 years now and I am still going back and forth with Netspend. They told me they could only issue a refund if I sent a picture of the card, a picture of a valid photo ID and a XXXX of a utility bill for proof of address. I did not want to do that but I did because I want my money back. After sending all of that they told me that they would not be able to send me a refund without a copy of the receipt proving that I purchased the card. I will add names and dates of emails below. 

XXXX XXXX XXXX Netspend- refund check will arrive in 10 business days. 
XXXX XXXX- refund check was sent on XXXX referring case to accounting to issue new check. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX -Needs Image of the card or receipt Image of your ID or Driver 's License Proof of Address document- where you would like the check sent. Must be dated in the last 30 days time frame. 
XXXX XXXX XXXX XXXX XXXX will not issue refund check without a receipt- Speak with the retailer to get copy of receipt. 

Please help me get my hard earned money back, XXXX XXXX
Product: Vehicle loan or lease

Paid the auto loan off entirely in XXXX. Never heard from 53rd until I checked their site and saw a {$150.00} payoff fee in the description. Was 53rd just going to hold my title forever unless I called in?? I paid the {$150.00} fee on XX/XX/20, a week went by still no word or activity on my account. Called and after a 20 minute hold was told I had to wait 10 days. I have a buyer and trying to sell this car this week and 53rd is holding my title hostage. Escalated to a manager and was told there is nothing they can do. So they make you pay this {$150.00} fee three months after the loan balance was paid in full which is terrible, then make you wait longer and jump through hoops just to get the title. This is the second CFPB case I have had to open with 53rd in the past year. They are difficult to work with and do not care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of items that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXX 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. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from the identity theft no later than 4 business days following the date of receipt.
Product: Debt collection

On XX/XX/2022 a number of XXXX called 14 times in a row repeatedly. The number was identified as IC Systems. When I called about it they denied having called me numerous times. 

This is harassment. Anything they want they can send to me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company AFNI, I called them today to pay bill in full, I asked them to make sure it would be reported on my credit report and that I needed an email stating that they would do that and they refused to give me an email or anything in writing to prove that they would report it paid. They then stated they " don't do that according to company policy and said that is " the way it is '' and I would have to accept that. I again stated I wanted to pay it in full but would like an email stating what would be their part of the agreement, and then I would pay it immediately, they again refused. I believe that this is a very logical and fair request and they should have no problem doing that. what is the problem??? They shouldn't be able to keep it on my report if they are refusing to give me some proof of their actions that they should be responsible for. Companies like this are acting as bullies and should not be in business.
Product: Bank account or service

I have been a good customer of Chase Bank for several years. 
Last XXXX, I responded to a coupon offer from Chase for a {$300.00} bonus if I opened a new Chase Premier Plus checking account. Per the offer, to qualify for the bonus I had to open the account with at least {$25.00} ( I deposited {$1500.00} ) and then have electronic deposits made of my paycheck. I followed the requirements and asked my employer to transfer my earnings electronically as required for the bonus. My employer, XXXX XXXX XXXX, is a small business, but they agreed to go through the extra paperwork to set up the transfer and make the transfers of my earning. For the past several months my earnings have been electronically deposited to my checking account from my employer 's account at the XXXX. 
Although I have fulfilled all of the requirements, Chase has not deposited the {$300.00} bonus promised after almost five months, nor can they tell me if and when the bonus that I have earned will be paid.
Product: Credit reporting

I have disputed XXXX accounts with Experian for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Experian has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
Product: Mortgage

Title Source was contracted XX/XX/2012 to correctly distribute funds on XX/XX/2012 to XXXX and XXXX as stated on page 66 of the attachment. Only XXXX was paid correctly. They have constantly been looking at paperwork for the first agreement that was changed do to XXXX XXXX  not releasing the lean for XXXX XXXX to meet correct obligations to sell the mortgage to XXXX XXXX. XXXX   requires the loan to be in the first position for them to purchase the mortgage. Both I and XXXX XXXX   were not aware of the error until late notices started showing up. 
Title insurance is used to prevent errors from happening and correcting the problem as soon as it is discovered.
Product: Vehicle loan or lease

I paid off my auto loan on XX/XX/year>, and still have not received the title to my car. I have tried contacting Hyundai Finance multiple times, but the number goes to a foreign call center and nobody can help me. I have also been calling my state 's DMV. The problem seems to be that Hyundai never submitted the title to my current state 's DMV when I moved two years ago, even though I submitted a request at the time. Now I can not get my title because nobody at Hyundai will do their job or even allow me to speak to anyone in the United States.
Product: Credit card or prepaid card

Friday XX/XX/2021 My wife was on our home computer when the screen started to flash warning must call XXXX. When I called the number on my Screen a woman answered " Hello this is XXXX my name is XXXX XXXX how can I help you ''. I explained to her that my computer is telling me to call you that there is a problem. She said that someone would call me the number was XXXX it was XXXX XXXX who said he worked for JP Morgan Chase and that there was a problem with my credit card ending with XXXX that someone had charged {$4000.00} in XXXX XXXX. He said that to rectify the situation I would have to XXXX out the account so no other charges would go thru. I would have to get {$3000.00} to him ASAP. He suggested that I go to a major store and get gift cards to cover the {$3000.00}. I went to XXXX while he was on my cell phone and purchased the gift cards against the credit card in question. I asked him where he was calling from and he said XXXX XXXX XXXX, NC and his badge number was XXXX. After purchasing the gift cards I told him the serial numbers on the back of the cards. He told me to stay on the phone and in about ten minutes he said congratulations the {$4000.00} was taken of my account. Then he gave me a complaint number for the XXXX incident which was XXXX. When I got home my wife had spoken to her daughter who told her that it was a scam I immediately called the customer service number and told them the card was lost to stop the transaction. Maybe I should have told them what had happened but I was so upset that I was shaking. I had my computer cleaned by XXXX but didn't want to use it. I'm writing this complaint from work.
Product: Debt collection

The company was to provide a statement of debt owed and fees, and never did. Additionally they charged me well above the amount owed stating legal fees. I paid the full balance plus their fees, and after trying to have the credit reporting bureaus remove this from my report as a paid debt, the debt collection agency is still telling them the balance is unpaid despite having sent me a letter of payment and also having the payment clear my account. Im not sure the tactic here other than one person mentioned that I could still dispute with my credit card company to reverse the charges so they will not show it paid until I can no longer dispute it, even though they already have my money. This is preventing me from getting my score back to where it should be while we are tying to buy a house, and theyre holding it ransom for some reason still even though I paid them more than I owed for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home. XXXX is reporting several accounts to credit bureaus as open with balances and that is not true. XXXX transferred my loans to XXXX in XXXX of 2023. Thus my nelnet balances are XXXX and the accounts are closed but XXXX is inaccurately reporting to the credit bureaus that I have open accounts with balances. I submitted a dispute with the credit bureaus and they determined I need to reach out to the provider. I submitted a dispute to XXXX via certified mail with supporting documentation and they still have not corrected the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves   XXXX   XXXX   XXXX   on  XXXX , Partial account number   XXXX   Date opened :  XX/XX/XXXX  Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened XX/XX/XXXX . I just recently traded in the vehicle in  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. FTC violation.

XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXXXX/XX/XXXX{$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX #XX/XX/XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX   {$420.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX CAPITAL ONE BANK XXXX XXXX A Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX CAPITAL ONE BANK XXXX XXXX A Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

I  Cosigned for a loan on a vehicle for my father in XX/XX/XXXXXX/XX/XXXXThe purchase of the Vehicle was for $XXXX we put down $XXXX  and made 6 payments of $XXXX totaling just over $XXXX dollars leaving the remaining balance of $XXXX dollars The car Had actually broken down and the engine blew due to being faulty the dealership the car had been purchased from blew the check engine light prior to us purchasing the vehicle they had since been turned into the better business bureau and to my knowledge closed down. they repossessed the car and then auctioned it off for $XXXX bringing the balance down to $XXXX when I had last spoken with the financing company NEW CITY FUNDING they had advised me I was the main signer on the account and the would be coming after me for the balance which at that time they had said was about $7,000 I said absolutely not, not only is there no way it's XXXX XXXX  but I also Am not the main signer on this loan I asked the initial amount They would not tell me the initial amount of the loan and kept telling me this was the amount owed due to late fees I told them that is not acceptable not only do they have the incorrect information about whom the main signer is but there Is no way It was up to $XXXX dollars I told the women on the phone not to contact me again until they have the correct information. This was the beginning of XX/XX/XXXX I have no heard anything from this company until they called my Boyfriends cell phone yesterday XX/XX/XXXX and left a message on his voicemail with my name and account number which to me is unacceptable because he has not ties to anything of mine what so ever so for them to even have his phone number is not okay. I then called the account manager XXXX  whom then told me that They were going to be garnishing my wages and they had gone to court which I had absolutely no knowledge of and they are also saying I now owe XXXX for a vehicle they repossessed so after paying them off I wont even have the vehicle also They are not even going after my father the would not tell me if they have had any contact with him and I had to argue with the women for almost a half hour with her trying to disconnect the line multiple times for her to tell me the initial loan was for $XXXX which I never ever signed any paper work for an $XXXX dollar loan I would've told my father no way!