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

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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX i have reached out to the companies to have this issue resolved, most of them advise me to speak with the credit bureaus when i reach the credit bureaus for assistance they advise me to contact the creditors or the companies who pulled my credit for a " letter of deletion '' I am being sent back and forth between the companies, spending hours on the phone and still have not had assistance with these inquiries this is becoming extremely frustrating. I need these inquiries deleted as soon as possible this is not fair to me as a consumer these inquiries were not made/authorized by me they are fraudulent please do the right thing and remove thank you.
Product: Consumer Loan

Santander Consumer USA is reporting my car loan as charged off from XX/XX/XXXX-XX/XX/XXXX on all XXXX of my credit reports. I have disputed the account as reporting inaccurately with all XXXX credit bureaus and they claim that the account is reporting accurately. I have also sent Santander a letter about the fair credit billing act but I have n't received a response from them either. Santander had my vehicle repossessed in XX/XX/XXXX for 1 day because I paid what they claimed I owed them and the car was returned back to my possession. Since then I have made every payment on time and Santander has not corrected the inaccurate information on my credit report. How could the account be charged off when I have the vehicle and I am still making payments on the car. I also a proof from my online Santander account to show that I am current and still making payments on the car. A charge off only occurs one time and should not be reported to the credit bureaus every month for 2 years as charged off.
Product: Bank account or service

I had an account with XXXX bank. A day after I deposted XXXX $ into the account I tried to log into it via online and it said to call customer service. When I called I was directed to a " supervisor ''. This supervisor told me that my account was closed because I was " committing fraud ''. When ask to clarify he said he did n't have to explain to me, and when I asked to speak to his supervisor he said that he did n't have to and proceeded to hang up on me. 
When I called back I talked to a gentleman named XXXX. After putting me on hold for ten minutes after explaining my previous phone call and also requesting to speak to a supervisor he proceeded again to tell me that he talked to " everyone '' and that they decided to close my account because I am committing fraud. When ask to clarify he said he could n't and also when asked to speak to a supervisor he also said he could n't. When I asked if there was a phone number of a complaint department he proceeded to put me on hold for another ten minutes before I hung up because it seems pointless to me. 
My bank account from XXXX was linked externally to an XXXX Account that is funded by my employer XXXX, no where else. So for them to I am committing fraud and to not give me any information, and also not letting me talk to a supervisor and being rude and hanging up on me I would like some answers please. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my XXXX credit report today and noticed a collection agency listed on my report for a transaction of {$2400.00} from AT & T on XXXX XXXX for an account that I did not open. I called the collection agency Enhanced Recovery in XXXX, FL to find out who opened this acct and spoke with a XXXX XXXX. He wanted my e mail address which I gave to him, and then wanted my date of birth, and asked me if XX/XX/1956 was my birthdate, and I said no, and I did not give him my birthdate. Also he said he was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX? a service to correct bad credit, which I dont need. Is this a SCAM to make your credit look bad, so you buy services from XXXX XXXX? thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit score thru both XXXX and Equifax is shows a balance on my credit card that has yet to be billed. We use our card for a matter of records and never carry a balance on it after the billing period. How can current usage show negatively on y credit report when it has not been billed and the card has never had a balance carried forward.
Product: Checking or savings account

Set up with IRS portal to have my {$1200.00} Covid 19 stimulas Check direct deposited. 
That Bank is XXXX. 

That transaction happened, without problem. 

Next, I set up a external account tied to JP Morgan Checking Account. 
My goal was/is to use {$900.00} of above to Pay my Rent for XXXX. 

Prior to setting Up External Account- Chase had protocal of depositing two small amount into the XXXX account. Once those happened- I was told to log back onto my online Chase Account to verify these Deposits of XXXX cents and XXXX cents. 

I did that step and External link to XXXX was established. I then went ahead to set up a transfer from XXXX Account into my checking account at JP Morgan of {$900.00}. Screen indicated it would be done on XX/XX/XXXX. I logged onto JP Morgan Account in late evening of XX/XX/XXXX and Account was blocked for access due to purported " suspesious '' activity. I called their customer service ( 32 minute wait time ) - and said they needed to call XXXX XXXX to confirm this {$900.00} transfer I requested. They put me on hold. Once back online told by they could not reach XXXX by phone and were going to close my account. I said just cancel this external account and Reactivae my needed Checking Account. Said I would have online access in a day. That did happen. However this is NOW URGENT MATTER : On XX/XX/2020 part of my much needed government Covid 19 emergency moneys was transferred at XXXX XXXX to JP Morgan. THIS {$900.00} IS NOT IN MY CHECKING ACCOUNT FOR ME TO PAY MY RENT! 
The external link now shows NO XXXX indication. This {$900.00} is out somewhere and it is rightfully mine to access. Please Help!
Product: Credit reporting or other personal consumer reports

I have asked for contract that I signed from them proof that the debt is my debt nothing I sent hours on the the phone and didnt get a response just more confusion and the run around now I want to take legal action with XXXX and XXXX XXXX, LvXXXXv Funding llc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, Medical debt XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.
Product: Money transfer, virtual currency, or money service

I was expecting a refund from " XXXX XXXX XXXX '' on XXXX/17.  Paypal sent the refund to a closed back account, one that has been closed since XXXX. I have called several times to PayPal to inform them that I have n't received the refund, as well as a conference call with a bank teptesentative telling them no refund was ever received and that I would not receive a refund on a closed account. The rep said she was opening an " internal '' investigation to find out where the money is at and that case was closed immediately due to " a refund being issued ''
Product: Credit reporting or other personal consumer reports

My credit report score has always been XXXX but suddenly it was dropped to XXXX and nothing has changed on my account. I do have a son with the same name and a grandson with the same name, where there have been times that their credit ratings got mixed in with mine. Request you check and if so tell me why my credit report number has dropped.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY AND UNDER 15 USC 1681.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 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 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$470.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX I sent TransUnion a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by TransUnion on Tuesday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with TransUnion for months information has surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. A FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers license with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving.

Today is day 5, I have not received any corespondents from TransUnion of them blocking this information. This is a violation.

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law.

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against TransUnion.

**see affidavits attached**
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete these company off of my credit profit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX
Product: Debt collection

Had an account with XXXX XXXX radio since I bought my car, sometime in XXXX or thereabouts. Car came with XXXX subscription for free, when the time came I continued the service and paid for it. Each year the subscription renews, I had difficulty renewing and getting the account setup correctly in both of my cars. In XXXX when the time came to renew my car, I renewed/paid online. A few weeks later my car XXXX service in my car shut off. I called and found that they applied the payment to my mother in laws car ( which was on my account for a time being ), I explained that we had canceled that cars service about a year prior and had no intention of renewing that service, that my payment online was for my cars renewal, the bill that came was for my car and that was what I was trying to renew. They said they'd fix it ( something happens every year when the service renews, calling them is at minimum an hour call and the customer service is terrible, they make you feel like your in the Twilight Zone ), the next day my car service was still not corrected, so I called back. This time I called and cancelled the service for both of my cars that were on the account. After an hour and a half of telling them no thanks/please cancel, they finally did so. They said that I had a refund coming from the payment I had made online, it was not the full amount of the payment I made and they couldn't tell me why. At that point, I waited for my refund check and called it done with XXXX ( I thought ). A few months later, they send me a bill for about {$97.00}. I reluctantly called them back again to find out why they are billing me when I don't have the service any longer. An hour into the call, they finally tell me that I was on a 2 year contract and this bill is for the renewal. I explained that I never signed up for a two year contract and that I had cancelled the service months prior and that they sent me a refund of money I was owed so we could end the relationship. The customer service people I spoke to weren't going to do anything about it and that I owed the money. I tried speaking with a supervisor but didn't get anywhere with it. Now I have received a collections notice for the {$97.00} asking me how I'd like to pay. Number 1, I don't feel like I owe them this money for service I don't have nor want. I cancelled the account and they sent me a refund of what I was owed, now they want to force me to renew the service and sent me to collections. I need some help getting the collection removed from my credit report please!!
Product: Mortgage

Dovenmuehle holds the mortgage on my home since XX/XX/XXXX. I had made some additional payments towards principal in the first few months, till XX/XX/XXXX, totaling {$24000.00}. The principal owed seems incorrect. 
Last year XXXX, and again this year since XXXX I have been requesting a payment history since beginning of the loan, started XX/XX/XXXX. 
They promise, and nothing happens. 
I am refinancing the loan, and the payout is wrong. The Customerservice personnel do not have the requisite skills to reconcile my account, and refuse to connect me to their AR department. 
I am going ahead with the new loan with the wrong principal amount as I dont want to miss out on a great rate of XXXX XXXX 

I am in deadlock and hence taking recourse to seeking your services. I would like to see my account reconciled from start to end Thank you in anticipation. 
Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Checking or savings account

XX/XX/XXXX,, Contiued Issues,, Never Got Solved,, Never Received Settlement Payment That Was Issued XXXX Thru XXXX ( XXXX ) Based Upon New Information That I Received Thru,, The Wells Settlement Website,, My Claim Form Was Lost Or Misplaced From Their Data Processing System, So I Never Received Any Payments At All,, When Checked The Website,, It Stated That Is Was Already Included?? So What Happened??,, This So Unacceptable And Very Messy
Product: Money transfer, virtual currency, or money service

Used XXXX through Bank of America on XX/XX/year> and sent {$50.00} to wrong person. Contacted the wrong person and he said he would refund money. He then tried sending me {$200.00} and asking for {$150.00} back in a fake email.
Product: Debt collection

I have reached out to ARS and the hospital in regards to this debt in the amount of {$1100.00}. I would like to know exactly what the charge is for. So long as it is a legitimate charge, I am happy to pay it. However, I will not pay anything If I do not know what I am paying for. I have asked for months for them to provide the bill to me. I know which hospital they say the bill is from and my husband works at the XXXX. No one is able to give us information about this particular bill.
Product: Mortgage

This issue is regarding my mortgage with Loan Depot, which closed in XXXX, XXXX. Loan Depot has proven incompetent in administration of my escrow account. 

Upon opening the account, Loan Depot sent annual insurance payments each month for two months to my homeowner 's insurance provider out of escrow. Insurance was funded out of escrow upon closing. They continued to make payments a second month after being informed of the error and indicating it would be rectified. 

Upon receipt of my Supplemental Tax Bill, with the first installment due on XX/XX/XXXX, I contacted Loan Depot and asked them to pay it, pointing out that although the request was irregular, there were more than sufficient funds in escrow for the payment to be made and would continue to be more than sufficient funds for future tax and insurance payments. I made initial contact by phone on XX/XX/XXXX and was told to receive a return call within three business days that did not come. On XX/XX/XXXX I reached out through Loan Depot 's 'message center '. After back-and-forth deflective responses, on XX/XX/XXXX I received affirmative notification by phone and email that Loan Depot would pay the Supplemental Tax Bill on or before XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Loan Depot by phone, as the payment had not been made. The customer service representative could confirm they had the bill but could not confirm arrangements had been made to pay. This morning ( XX/XX/XXXX ) I have paid the bill personally. I then reached out to Loan Depot by phone to close my escrow account pursuant to California Civil Code 2954 ( I put 20 % down on my home ). I was transferred and/or left on hold for 1.5 hours. I finally spoke to someone in apparently the correct department who told me to submit a written request through the 'message center ' on their website, which I did. She indicated it would take up to 30 days to receive a response, which may or may not go my way. 

Loan Depot has demonstrated they are dysfunctional, and incapable of competently administering my impound account.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have been in contact with Experian to correct a significant error in my credit report related to the lack of an address appearing on my report. Due to this issue, furnishers are unable to access my credit information, causing me numerous financial difficulties. 
Impact : I applied for a job at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX but both employers were unable to view my credit information due to this error. 
I have attempted to apply for loans from various institutions, but all of my applications have been denied for the same reason. 
Despite repeated efforts to have Experian correct my credit report, they have not taken any action to resolve this matter. This has negatively impacted my ability to secure employment and credit, leading to significant financial hardship.
Product: Checking or savings account

Citi bank is trying to Keep my remaining funds after they close my account for no reasons claiming there is fraud I have all receipts when and where and they do not wan na even acknowledged it as if they want to just put me thru this process just to hold my money for few months. I have had this issue with banks before they just give me the remains balance of my money then we move on if they dont wan na do business with me. But citi gave me no explanation no proof of anything for why they are not going to give me my money its crazy there flat out trying to rob me. They told me to wait 2 to 3 months and now that the time has passed they said Im due no funds I asked them where are my funds no explanation I went to bank at citi bank in XXXX nj no help the call centers gave them basically no info. They do not trying to resolve anything or tell me anything no correspondence at all
Product: Credit card or prepaid card

Prior to XX/XX/2020, I paid my credit card in full. As of today, there is no balance on my account nor any minimum payment due with a credit limit of {$500.00}. However, on XX/XX/2020, Capital One has refused to allow any online transactions to be processed, without any explanation. I contacted Capital One and inquired about my account and why my online purchase was declined, however the representative blamed the decline of the purchase of {$29.00} on the merchant or pay pal. After multiple declines of my Capital One credit card, I used a different credit card from a different company and the purchase was immediately approved for the exact same purchased I attempted to make with my Capital One credit card.. 

This is not the first time Capital One has decline my purchases when there is more than enough funds available on the credit card and despite calling Capital One and attempting to make the purchase while on the phone with Capital One my purchase was still declined. 

I request an investigation into the intentional declines of my purchases using my Capital One credit card
Product: Payday loan, title loan, or personal loan

I took out a {$700.00} loan from Big Pictures Loans on XX/XX/2022. I have paid a total amount of {$740.00} towards my loan. I am currently unemployed and requested that I make a final payment of {$100.00} and close my account. They have refused to work with me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows that I have a high credit usage of 253 %. This is incorrect, I have two credit cards and neither are overdrawn. Experian has an old HELOC which is closed and now Im paying off included in my credit line. This is causing my credit usage to look over drawn. Ive called several times over the past two years, all they do is make a dispute and send it to my bank, but its not my bank who did the error so they close it. Ive called my bank and they said Experian needs to code it as a loan, not a credit card. I keep calling and telling Experian, but they wont help. XXXX and XXXX dont have this problem, and my score is XXXX points higher with them than Experian. This is terrible customer service!