23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have three wire came in on XX/XX/XXXX and XXXX, they charged me for {$15.00} each wire transaction without letting me know ahead, that's fine. Then they have blocked my own funds for over a week now without any reasonable explanation and notice, I have called on XX/XX/XXXX, XXXX and XXXX for over 5 times everyday, tried to solve the problem. HOWEVER, they just keep telling me to wait for the sender 's banks responses! I have known the sender for many years, he has contacted his bank almost everyday last week to provide responses to Bank of America. But they still put hold on my own money! I think this is totally doesn't make sense and unfair! They don't have any right to put hold on my own money for over a week, their service and representatives are not helpful at all!
Product: Debt collection

I am furious. InXX/XX/2022 I spoke to the manager of this agency who told me that if I set up pay arrangements I would not be reported to the credit bureau. They've been withdrawing payments from my checking account monthly and just took another payment last month!!! I just realized that they indeed did report the balance to my credit report. I received no contact regarding this or the possibility of this!!!!!!!!! I am furious because they clearly lied to me!!!!!!!!!!!! I received no phone call from this agency since XXXX!!!
Product: Credit card

I 've had a FIA XXXX Credit Card since XXXX. I set up the account so my monthly payment would automatically be debited each month from my checking acct. I paid of the balance in XXXX XXXX. In XXXX XXXX they debited my acct. for {$100.00} even though I had a " XXXX '' balance. I called they refunded my {$100.00}. On XXXX they again took {$100.00} from my acct. I called and spoke to XXXX different Customer Service personnel, who stated it would take XXXX6 business days before my money would be credited back to my acct. Because I had no idea they would debit my acct. for {$100.00} I have bills that will be returned for insufficient funds. No one I spoke to today would acknowledge the fact that they made the same error not once, but twice. The last supervisor I spoke to, her name was XXXX would not transfer me to her supervisor, she said she would have her call me within 48 hours. I would have appreciated someone having the courtesy to at least escalate this issue so the money would be placed back in my acct. in a more expeditious manner. They were not willing to assist me in any way and I think someone at FIA owes me the courtesy of replacing my money, since there is no mistake that they had no right to debit my acct. which has had a zero balance since XXXX, XXXX. I would greatly appreciate any assistance in escalating this matter. 
Thanks!
Product: Credit reporting or other personal consumer reports

There are three public records that range from XXXX to XXXX the Company Lexus nexus is providing for a credit reporting agency. The company says that they contacted me about the situation and they have not. They are saying they got with XXXX Bankruptcy Court on the issue and they did not, the court said they are not responsible for the the information on my report and if there is an issue, the issue should be addressed through court with a motion if the public records are disputed as in accurate. My letter from them states they provided no information to be reported by credit agencies and lexis nexus is saying they did. So I ask that Lexis nexis validate the information they are providing to the reporting agencies and send me the information the court actually provided for them instead of looking at public records as they want be corrected until a motion is filed, per the letter attached.
Product: Debt collection

On XXXX XXXX, 2017 a debt collector called my work looking for my boss they call almost every day we forward the messages to our boss but that does n't seem good enough for them today he called 4 with 1 to 3 seconds apart each phone call the first two phone calls he yelled and screamed at me told me to do my job to get my boss to pay the debt I explained to him that I ca n't make my boss do anything I 'm not on his checking account this debt has nothing to do with me and he should not be talking to me like this I hung up the phone he immediately called back his tone was even worse the fourth phone call I recorded with him yelling at me telling me that it 's all my fault with you here in the recording down below I then contacted the company to put in a complaint myself the company said it is quite OK and OK for the company to talk to me this way basically I allow my boss to go without paying his bills he called my boss a scumbag at that point in time I knew I was not gon na get through to these people and I hung up the phone I think that person who he said his name was XXXX is the same person that calls here every day looking for my boss The company name is Pam am debt collectors as I stated above this debt does not belong to me but the man got very abusive with me over the phone several times on the date listed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Delete From My CREDIT REPORT there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX and XXXX have not been completely moving old accounts from my credit report and even ones I submitted on there website stating those things werent mine but never got responses and I want them removed immediately and automatically because its a brand new year and I submitted and complained last year to only still have those things on my report something I dont recognize on my report as well
Product: Debt collection

On XX/XX/XXXX a collection appeared on my credit report. It said it was originally openedon XX/XX/XXXX. I have not received any notice of this debt from the rental company, or the debt collection company. I was never attempted to be contacted, never received a letter written ir electronically about this debt. It just appeared on my credit report stating that i owe {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score has dropped substantially over the past three months. I see it on my XXXX XXXX statement. I caught it this month XXXX XXXX XXXX. I confirmed that XXXX has not reported me as past due today, XX/XX/XXXX. After they'd confirmed it wasn't them, I went to the XXXX  website to put a fraud alert on my account and reviewed my credit report to learn that Ally Financial had reported a 90 day delinquency in XXXX of XXXX. I had a car loan with Ally and paid it off approximately 2 years ago and received the title to the car. I contacted Ally and their solution was to file a dispute with XXXX which they informed me will take up to 45 days to clear then I will have to clear it with the other credit agencies. I am floored that I have to risk higher interest rates and possible denial of loans for the next 45 days when it was their error and they didn't try to explain to me what caused their error. Their solution for their mistake is NOT acceptable and it leaves me wondering how many other people have had to deal with this.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in touch with Equifax multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen
Product: Payday loan, title loan, or personal loan

Ford motor 's new about a transmission issue and clutch and still built the cars anyway and sold them to consumers at XXXX miles on it XXXX XXXX XXXX XXXX transmission clutch flywheel leaks They accuse me of breaking these parts because they said my tires were bald for also said it was not under warranty because of the tires and I was not able to get a rental and I had to pay by cash out of my pocket for the transmission and clutch issues which was {$1600.00} and said I would have to pay that or I would not be able get my vehicle and then when I asked him to do extra work that were things that were broken in my car on the work order it says that they were damage and they would not fix it and then I kept up authorizing them to do oil changes and XXXX XXXX but other work order they said they did not do it because I did not authorize it and they said I did not accept a rental but they were I was told I could not have one that was on XX/XX/XXXX I had the repairs diamond as of XX/XX/XXXX my car is not working it also once again has clutching problems where the vehicle could not move and then in Then XX/XX/XXXX my car was once again not working I took it in and they said that it needed boltay point inspection it did a sensor camshaft and any did a gasket and it needed a motorcraft I guess oil you could read the invoices that I posed basically now is the 3rd time of a major problem because of the 1st problem he kept my car for a month or more I could I get a job I'm a XXXX XXXX and that's why told forward they said that I must be driving it so hard but I been a XXXX XXXX XXXX XXXX I'm a XXXX XXXX XXXX XXXX and that is my profession as a XXXX XXXX XXXX so I know how to drive and I almost lost my job due to of these car problems not only that I had to go on XXXX because of all the stress of not having a vehicle and almost losing my job I was off work for 7 months I thought behind a my car payment I was not making men love money I was in a deep XXXX I couldn't get out and then forward would not work with me the motor ford motor credit I asked them to put when IO on the end of the loan so I could XXXX you to pay when I went back to work he said absolutely not and that my car would be getting repose and I still have vehicle but they charged me off on very quickly they would not let me have a chance they told me I better off claiming bankruptcy I said I do not wan na do bankruptcy I need my car that's my livelihood I did have children please can you give me a hardship break they said absolutely not so now I have this vehicle had broken down XXXX XXXX under constant stress of being repossessed and I have had 3 other cars prior to the XXXX XXXX with forward and didn't have late XXXX XXXX and was in good standing and for having 3 other cars on the 4th one you think they cut me a break and now I'm in the bottom that I never thought I would get to 4 does has no care for any customer dig don't care about us my car has another recall it as a transit of the what is wrong with my car I know has a recall in plus it has electrical recall and I feel like they sold me
Product: Credit reporting or other personal consumer reports

6 weeks ago I called Experian and requested a copy of my credit report. At the time I was told that I could not get a copy of my report because I had an active investigation pending. I was told to wait a week and check back. 
I checked back in a week and was still unable to get a copy of my report. So I called back. At that time the agent told me that the reason I couldn't get a copy of my credit report was because my account did not have an address. I was stocked and confused because I the credit reports I seen did have my address on the report. The agent then told me that since my driver 's license was on file, she could update the address information using my license. I confirmed that the address on my driver 's license was correct. Then the agent told me to wait 72 hours. I waited the 72 and again I could not obtain a copy of my credit report. So I called back and again I was told that my account did not have an address. So again I updated the account with my address. I was told to wait 72 hours. But again I was unable to obtain a credit report. I called back and I was told that my account was being updated and to give it a few more days. I did that and when I called back and was again unable to obtain my credit report I was told my an agent that I needed to send in additional information. This was NEVER told to me in the 6 weeks I have been attempting to get a copy of my credit report!
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023, I closed on the selling of my home. The mortgage was through XXXX XXXX / XXXX XXXX  company. Initially, the closing was uneventful, however there were issues between the XXXX company and XXXX XXXX for 2 months following the closing. XXXX XXXX continued to be difficult with the XXXX company, and would not accept the payoffs that were sent to the mortgage company. At XXXX point, a XXXX XXXX representative even claimed they did not know what they had done with the payoff money. On my end, the mortgage began to show overdue, and requiring a payment even though the home had been sold and the mortgage should have been paid off. I talked multiple times to XXXX XXXX, and they assured me they knew my account was not actually late, but that it was an issue between them and the title company. I was comfortable with those statements, however yesterday my credit report showed a XXXX day late mortgage payment, and my score dropped XXXX points. At this point, the mortgage has officially been paid off, I just need the late payment removed from my credit report.
Product: Credit reporting or other personal consumer reports

ON OR ABOUT 3 MONTHS AGO, I SPOKE TO TRANSUNION, XXXX AND XXXX IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.
Product: Checking or savings account

My account has recently been closed due to inactivity. It is XX/XX/2021, I have owned a chase account for more than a year and would always have my school and work checks deposited into the account. Recently I have started up a business which calls for me to take money via XXXX app so most of the time I just let my money sit in there. On XX/XX/XXXX, I was hired by a company that would have required me to have a direct deposit account on file. I logged in and at that time was able to retrieve my account as well as my routing number. On XX/XX/XXXX, I tried to login my account once again to check the balance and see if my check had hit early before XXXX. When I logged in it showed that I no longer had any account with the company. Therefore I called to see if the problem could be an easy fix. Not only was I hit with rudeness and negligence but flat out just being lazy. I begged and pleaded with a manager to try and help me because without this expected money I will not be able to purchase gifts for my XXXX XXXX XXXX daughters FIRST XXXX. At that point, I was given the option of going into a branch but that is not possible as of right now for me. Chase intends to steal my money.
Product: Debt collection

PORTFOLIO RECOV Associates reported on my XXXX Credit Report that a Credit Card Account was opened under my name in XX/XX/2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.
Product: Credit reporting or other personal consumer reports

My identity was stolen by my ex XXXX XXXX, she allows her new boyfriend to get a fake ID in my name however, my name was spelled wrong on the ID the XXXX  spelled my name XXXX XXXX and not XXXX XXXX. They use my information to get goods, services and loans, when I was made aware of this I was told how to lock my credit report so no one can use it. I filed a police report and advised the credit report agencies, that the account via XXXX XXXX auto loan was a fraudulent. However, they never took it off my report so I saw it still on my credit report advise them and they saying that XXXX XXXX said it was factual or something so they gave me their number I called them and advised them but still nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. Security Credit Serv now owns them and when i tried to prove to them and XXXX  and XXXX  with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
Product: Debt collection

Informed company over the course of the last year that this debt does not belong to me. They keep sending me paperwork of statements that have my name on it but the account with the original creditor was closed due to identity theft. This account is not mine and they have failed to respond to my contact attempts to remove the debt from all of my credit reports. They also failed to provide adequate documentation that the account was opened by me, with my genuine signatures or authorization.
Product: Checking or savings account

I made an online payment on XX/XX/XXXX from my Capital One checking account to my XXXX credit card managed by Capital One XXXX I received notification dated XX/XX/XXXX that my payment was returned, account closed. Knowing that my account was open with sufficient funds, I called Capital One Bank and proceeded to explain the situation for over 50 minutes. I was transferred from the Bank to the credit card department, where I was told that I had to call back tomorrow to have my fee reversed. finally speaking with a supervisor. I stated that I had an account that was closed by Capital One, but my new accounts were in good standing, and I have never had a problem in making a payment to any credit card or financial institutions, and that the closed checking account from XXXX doesn't even appear on my list of accounts. I was told by the supervisor that such a statement was " my opinion, '' when in fact, it is the truth. They told me I needed to call back to have the late fee reversed, and I said that was unacceptable, particularly given my 53 minute phone call today. I angrily ended the call, admittedly in my anger and frustration, using a curse word.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently response within 24 hours stating the accounts is accurate, without providing any evidence through investigations. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumers financial protection act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX