23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX and XXXX both provide FREE credit file lock ( not just a freeze ) but Experian won't lock a consumer 's credit file unless they subscribe to an upgraded paid account. This is not a good business practice because no credit reporting company should charge a consumer to lock their credit file especially given that the consumer is subject to credit reporting. The only reason I was able to lock my Experian credit file was that my personal information was breached by a third-party website and I was given a free Experian credit monitoring service, but my FREE Experian account won't let me lock/unlock my credit file, yet both XXXX and XXXX FREE accounts will let the consumer lock/unlock their credit files. Is Experian fair to charge consumers with FREE account inability to fully protect their credit file by locking their credit file?
Product: Student loan

I was on the Income Based repayment plan for the past three years, but was denied this year since getting married, even though my husband makes less money than I do, but with combined income, they were able to deny me and placed me back in the standard repayment plan. This took my total payment from {$140.00} to {$430.00} for XXXX loans. I can not afford this payment as I also have private loans with XXXX. 
I have called for FOUR months to customer service and each time they put me in Forbearance and say that my next month 's payment will be corrected and around {$200.00} total as they are placing me on the extended graduated plan. Then each month, I get a bill for over {$400.00}. Each time I call, the rep says " oh I see where you called, but your plan was not updated ''. This has taken so much of my time trying to get this corrected and has been extremely frustrating, when I am actually trying to make the payments. I do n't want to keep being put on forbearance, I want to be in the correct plan. If I try to use their website, it wo n't let me do anything because it says I 'm in forbearance. On XXXX/XXXX/16, I tried to send an email, hoping that putting my complaint in writing would help, but I only received a generic response about logging on to their website. Please help as this level of service is unacceptable. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX to get my report on XXXX which apparently is grossly in error. This agency had my current address wrong, my last name and first name inverted and my previous address was also incorrect.
1-Will all this be reported to XXXX so they can coverup their errors prior to sending me their report
2-If the agency responsible for getting me copies of my Credit Report is so completely in error, how can I rely on a credit report?
Product: Debt collection

National credit audit corporations reported a debt for XXXX XXXX XXXX  for {$2900.00} back in XXXX with account number XXXX but sold the debt to National Credit Systems with account number XXXX in XXXX but was not removed from my credit. I demand this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.
Product: Money transfers

Paypal continued to charge my credit card for various services after I cancelled the services directly with the vendors. Then when I submitted a complaint, they froze my account ... ..which makes me unable to unlink credit card and bank accounts from them, and does n't allow me to close my account. It only allows me to continue to pay for Paypal services. After all was said and done, they said they were unable to issue me a refund because I had a preauthorized debit agreement for the third party services. This completely contradicts their Paypal Buyer Protection policies. They never even asked for documentation of my communications with the third party companies that they were crediting my money to.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX XXXX attempted to remain in honor by tendering payment via ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount {$11000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ) U.C.C. 3-311 and public law for negotiable instruments to LendingPoint LLC XXXX XX/XX/2022. They accepted my instrument but did not credit my account correctly. I did call on XX/XX/2022 and spoke with XXXX from collections, XXXX from customer service, XXXX XXXX from customer service, XXXX XXXX manager from customer service, XXXX from collections, XXXX manager from collections recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for immediate investigation to rectify the situation without XXXX so they can remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices, are against the law in which our country is built on.
Product: Credit reporting or other personal consumer reports

in XX/XX/2023, south west recovery issued a credit report type collection, date opened XX/XX/2023 in an amount of XXXX XXXX, original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX 
I tried to get mor information such a detailed report with no success. 
I field, 2 complains with XXXX, submitting a court documents issuing a judgment in my favor against the XXXX XXXX XXXX, unfortunately the report has not changed. 
I don't know were this amount of money come from, and if they have any proof of it I am glad to see it. 
now my credit report is messed up, which I worked hard to maintain it as good as possible. 
I am a victim of a crime, retaliation and fraudulent report.
Product: Debt collection

i received a letter from Radius Global Solutions saying a owe a debt of {$650.00} to an energy company i never used XXXXXXXX XXXX XXXXXXXX at an address i never lived at XXXX XXXX XXXX XXXX XXXX and the person its addressed to isn't me either XXXX XXXX XXXX. the letter states that the account number XXXX owes the amount {$650.00} as of XX/XX/2021 there is also no report of this account on any of my credit reports
Product: Credit card or prepaid card

I hold my Bank of American credit cards ( XXXX  and XXXX card ) for XXXX years and keep using it. I was promised when I applied the credit cards that I can downgrade both credit cards to the Cash Rewards card without any annual fees. But now when I called the bank, the agents told me that I can't change any of them. I was shocked that the bank did not keep their word. I was told by my friends that someone can change their XXXX  and XXXX card into Cash Reward. I have no idea why BoA treated their customers differently. I doubt that BoA has discrimination on different customers and feel offence.
Product: Mortgage

Request for loan assistance denial Selene Loan # XXXX XXXX XXXX RE : Property Address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Selene Finance is engaging in Mortgage Service Abuse, Unfair Business Practices, BREACH OF IMPLIED DUTY OF GOOD FAITH AND FAIR DEALING, VIOLATION OF B & P CODE 17200 ; Dealing in Bad Faith with deceptive and misleading practices. 

Selene issued the attached denial for loan assistance by XXXX XXXX for her home at XXXX XXXX XXXX XXXX, CA XXXX dated XX/XX/2022. 

The letter states Below are the loss mitigation programs for which you have been evaluated, along with our determination of your eligibility. 

There is no indication in the attached denial that the borrower was reviewed for any home retention programs available. Please provide a document that shows all types of modification programs Selene Finance offers, or that this Investor has offered. 

We demand that Selene Finance and this Investor provide the NPV inputs, income and property value used, and the method used to calculate these values for all scenarios in this denial. 

Furthermore, the homeowner is offering a good faith payment of {$15000.00} to lower the principal balance to achieve an acceptable PITI payment
Product: Credit reporting

On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( DSHS-DCS ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( DSHS-SCS ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( DSHS-SCS ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the US BKPT CT WA XXXX # XXXX, XXXX account # XXXX, the XXXX Account # XXXX, and the XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these XXXX accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the XXXX ( DSHS-SCS ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from DSHS-SCS ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.
Product: Credit card

On XX/XX/XXXX, I received notice that a {$99.00} balance was charged to a Citi Bank Credit Card. I do not have an account with them nor have I ever applied for a card for them. This was not opened by myself. It states the card was opened on XX/XX/XXXX so ( XXXX yrs, XXXX mos ). I am just noticing it now as a charge was placed on it. 


Their information is : CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Product: Debt collection

XXXX XXXX for XXXX @ XXXX at XXXX XXXX XXXX XXXX , and Sentry Credit Sebit Collector. Live here since ( XXXX ), always paid my rent on time during my lease at this resident. I moved from this resident on XX/XX/XXXX and turned in keys with sign documents from Rental Office management, with proper documentation sign and date. Paid my rent for online XXXX Account and when I received a court notice for eviction after I had moved out stated that owned the amount of {$6200.00}. However, I was informed about the court letter after I had moved. But did appeared in court. Case was drop. In my account the amount was on XXXX online account had Overdue {$3700.00} which I had paid a large amount. XXXX XXXX, property Manager has been retaliating against me due to the mold I had in my apt . Before I had moved out paid my rent in full for XXXX XX/XX/XXXX, which had been paid in full which I had received final invoice with the amount of balance due {$4700.00}. Took my deposit amount {$500.00}. Which leave my balance in the amount of {$4200.00}. Which I made online payment with receipts in the amount of {$2100.00} another receipt with the amount of {$2100.00}. Since I lived at the resident several times my rent was out on another account. Then I would receive a notice of payment amount that I owned for my rent during COVID. Therefore I had go down to rental office and represent my receipts. XXXX XXXX, has been retaliating against me since I contact the XXXX Inspector and now that I had moved out he had send my debit to collection in the amount as show which I have receipts and bank statements rent was received. They send my information to Sentry Credit Debit Collector which I did provide my information of paid rent. Today, XX/XX/XXXX, I had contact them regarding my collection which I emailed them all necessary documents on XXXX, XXXX. 

XXXX at XXXX, had not responded to my disrupt for collection. XXXX XXXX need to be audit for the under handing methods that a manager has used to put this debit on my credit which I had filed bankruptcy in ( XXXX ). Charged me for not having rental insurance which I had since ( XXXX ). But yet my invoices need to be audit due to them sending this bill to the debit collection and for them texting me a message saying that I owe this debit. Never have this company any permission to txt my phone trying to collect a debit that I dont owe. IRS need to be involved with this XXXX XXXX for underhanded practices that shouldnt be allowed when I moved out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the 3 credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting you update your records to reflect my current address : XXXX XXXX XXXX XXXX XXXX, Kansas XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Kansas XXXX I request you to provide accurate Address information and Employer information. I am entitled to accurate reporting information Fair and Accurate Credit Transactions Act of XXXX ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. Reporting incorrect/inaccurate information-Inaccurate Address Information Reporting incorrect/inaccurate information-Inaccurate Employer Information Please provide detailed description of all procedures used in your process to determine complete accuracy of the information youve reported. Once you have finished your investigations, send me a complete copy of my credit report. As proof of my address, I have included copy of my Lease Agreements dated XX/XX/XXXX & XX/XX/XXXX. I have also provide a letter from XXXX XXXX dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send Transunion several letters and filed several complaints disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX. 2. XXXX. 3. XXXX  XXXX 4. XXXX. XXXX. XXXXIn which transunion have ignored my letters. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is under my social security number.
Product: Checking or savings account

I was checking my accounts statement I see a few transactions from XXXX which I didnt make. I call my bank to let them know about the problem and I open fraudulent dispute with my bank. Got email today saying my fraud claims was denied without further explanation. I call my bank about the denial the person from the bank just yes my fraud claim was denied I ask for the reason she couldnt give me a reason why it was denied.
Product: Checking or savings account

I had a checking account and corporate credit card with XXXXnion Bank for over 22 years and USBank bought Union Bank in XX/XX/XXXX. USBank closed my business account and corporate credit card XX/XX/XXXX without proper notice. Here is the timeline : 1. I received a letter from USBank dated XX/XX/XXXX in a generic envelope not marked as time sensitive or important. It was not a statement and my secretary thought it was marketing. It never reached my desk. It stated they were closing my account but there was no explanation only that they required information. 
a. They stated they tried to reach me by post, email and telephone. That is untrue. I received no call or email. 
2. USBank sent a second letter dated XX/XX/XXXX which I received on XX/XX/XXXX, stating that they closed my account due to lack of response to the first letter. This letter stated something about " knowing our customers '' but no explanation. 
a. I called immediately and provided the information requested and the representative said they would work on getting it resolved. I followed it up with an email. 
3. I received third letter dated XX/XX/XXXX which I received XX/XX/XXXX, with a check for my checking account balance stating that they have closed my checking account as well as my corporate card again with no explanation. 
a. The letter is unintelligible due to their printer malfunction. 
No response to my calls or emails. 
This is all apparently because the want to know what my company does. It does the same thing it has done for the over 25 years as a customer of Union Bank and subsequently USBank. I have vendors that auto bill my credit card and i got no notice of this bank 's actions until it was closed for 2 weeks. my credit and reputation has been damaged by this bank 's unprofessional behavior.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00}. 

Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$580.00}.
Product: Mortgage

I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options?
Product: Credit reporting or other personal consumer reports

On XXXX, I contacted a rental property inquiring about an apartment. I was asked by the agent ( XXXX ) to complete a TransUnion credit check and provide a credit report. I completed the form and was told to pay {$33.00} to receive a credit report. They took my payment, but did not give me the report. I tried calling their customer service to cancel, but can not get through to cancel my membership. I have the charge on my credit card, but no option to cancel the services through their customer support phone line and their website. Here is the website I was directed to : https : //rebrand.ly/transunion-check I called my bank to try to dispute the transaction, however, it is still pending. I also asked them to flag any suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXX PAID ON BANK STATEMENT TO XXXX XXXX XXXX XXXX PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been having ongoing issues once again with Santander Bank. I do not understand how this Bank stays in business. My most recent complaint now is that I have a personal loan with Santander Bank that I got several years ago. I pay the loan every month through my Santander checking account. I have recently asked if they could change the due date from the XXXX of the month until the XXXX or XXXX of the month and they put an inquiry in about this on or about XX/XX/XXXX. I am following up because I still don't know what the status of this request is. I called their customer service number this morning and got a foreign agent who after asking me so many questions said I still didn't authenticate my account and hung up on me. I then called the corporate office and the right arm doesn't know what the left arm is doing and they said that I should be receiving a form which I was told that by them over a week or so ago and then they mentioned something about paying {$25.00}. I hung up because I am getting too aggravated to deal with this outrageous conduct.