23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received calls from XXXX multiple times in the past week. Voicemail indicated that they were trying to collect a debt but did not say my name, what the debt was for, who they were collecting the debt on behalf of, or the amount owed. Search for phone number XXXX indicated that others had the same issue. The phone number they told me to call back was XXXX, which also generated a negative search. 

I want the calls to stop and the scam put to a halt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use Experian 's website over a dozen times today to obtain my PIN number, login, and unfreeze my credit in order to apply for a personal loan for debt consolidation. Continuous error codes generate, and when I DO log in to the site and try another route, there is an " Oops '' tech error. EVERY TIME. 

On top of all of this, I CAN NOT get a physical human being on the line, despite entering all of my personal information. The prompts simply run through the robotic system, and the phone disconnects. 

This is absurd that I can not reach this company to unfreeze my credit, when XXXX XXXX website did it in under 5 minutes.
Product: Credit card

US Bank - Bait and Switch. I responded to a web based offer, offering free XXXX XXXX points with a " bonus award nights '' promotion, if I signed up for a US Bank XXXX XXXX XXXX card. The company would offer XXXX XXXX hotel points to sign up for the card, pay a {$75.00} annual fee, and spend {$2500.00} on the card within XXXX months. As part of this bonus, one can use the points to book hotel rooms through XXXX XXXX, and if one books XXXX or more nights in a row, the last night is Free. This is a significant offer and the primary reason I signed up. ( A friend of mine did the same ). After signing up, I received the card in the mail with the rewards program details ( see attached ). I received this XX/XX/XXXX. When I called to activate my card, I asked about the rewards program and was told that the bonus award night promotion was ending effective XX/XX/XXXX. I was quite perturbed and felt misled, however, when I told the US Bank representative ( her name is XXXX ), after conferring with her manager, she told me that because I had just signed up for the card, the bonus award night promotion was being extended until XX/XX/XXXX. I made her confirm that this was indeed the case, prior to activating my card, which she did. Since she confirmed, I activated the card. Today, XXXX XXXX, I called in to attempt to use some award points to book a hotel room and was unable to utilize the bonus night promotion. When I called US Bank they told me that the program ended on XX/XX/XXXX for everybody - no exceptions. I spoke to multiple customer service reps to inquire as to why I was misled when I was activating my card. None of the customer service reps would not let me speak to XXXX or her manager, despite multiple attempts. I let them know I would be filing with the NC Attorney General, and they tried to " bribe '' me with XXXX bonus points. I did not take this, and told them to close my account and refund the {$75.00} annual fee. I feel that US Bank blatantly lied to me in an attempt to gain me as a credit card holder to pay a {$75.00} annual fee and spend money on their card. I would sincerely appreciate the NC Attorney General 's office looking into this matter. Their are many reports online of people having similar issues with US Bank, specifically as it pertains to their XXXX XXXX program. Thank-you. - XXXX
Product: Mortgage

On XXXX XXXX, 2016 I cancelled XXXX XXXX homeowner 's insurance and contracted with XXXX XXXX for homeowners as it was much cheaper. On XXXX XXXX the XXXX policy went into Effect. Ditech my mortgage company paid {$740.00} to XXXX XXXX without a policy being in effect on XXXX XXXX and XXXX XXXX cashed the check knowing it was cancelled. Then Ditch paid XXXX {$500.00} shorting my escrow account. So they paid XXXX homeowners insurances. I told them not to pay XXXX XXXX verbally and they paid them anyway knowing I had XXXX insurance. I have been in contact with the NC Dept of Insurance, The NC Banking Commission, The XXXX and with XXXX XXXX at XXXX XXXX XXXX on your side. I have filed complaints with all of these agencies. I have placed a phone call to XXXX XXXX, XXXX of Ditech Financial, LLC with no return call back. They have charged late fees, threatened to ruin my credit, said I owe them {$1100.00}. My payment was {$570.00} and is paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But they have stolen my money and have taken it from my payments and charged exorbitant interest rates, hardly put anything on the principal and they sent me a check for {$520.00} which is in error and I have not cashed this check. These people are total XXXX. This is simple math, their error. All I did was change insurance companies and they have totally mishandled my account and have not rectified it yet. I want them to be prosecuted to the fullest extent of the law and put out of business as they are not competent to handle money. I have talked with their customer reps and supervisors to no avail thus I have filed numerous complaints hoping someone can resolve this for me. The laws need to be changed because Ditech should not have been able to pay XXXX homeowners policies when I had cancelled XXXX. Please help me. I am XXXX and have this mortgage and they are causing me so much XXXX and I have a XXXX XXXX. Please get these XXXX to fix my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my twin sister were hanging out one weekend years ago on XXXX XXXX  my twin had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX Bankruptcy, this Bankruptcy was discharged XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for one XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over 7 disputes, with all results being that XXXX finds the current information to be accurate and no changes made. On XX/XX/year> my XXXX credit score I could see was XXXX, XX/XX/year> my score XXXX, World Finance Acct ending in XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and Avail Credit of - {$3500.00}, Comments " Charge Off ''. XXXX refuses to update this account as Discharge XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. 
I am suffering from XXXX and World Finance illegale reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and World Finance are dilertly causing un-repairable harm to me by the wontan disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with PNC in regards to my mortgage and they have been unable to assist me with the matter. I have been on time with my payments and the late payments are reporting inaccurately and should be removed from my credit report. 

PNC also has the payment status reporting inaccurately. They have me listed as Late 120 and Late 150 days when the balance is at {$0.00}. I have been educated about this and it is an infraction and is an FCRA violation!! This needs to be adjusted immediately.
Product: Checking or savings account

XX/XX/scrub>XXXX a {$450.00} transaction named XXXX  Debit was charged to my account.

I informed Huntington that I did not make a XXXX transaction on that day and they informed me that this was some sort of internal transaction on their end claiming someone at Huntington manually charged my account for a XXXX transaction that happened a month prior which went through just fine, so I was charged twice for 1 transfer.

They refused to dispute the transaction claiming the recipient would have to dispute the charge.

The recipient never received this transfer so there is nothing to dispute on her side. Huntington or XXXX has effectively stolen {$450.00} from me without an explanation or refund and are 100 percent refusing to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : 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

I have filed multiple disputes to have these inquiries removed they were place on my report as a result of identity theft I have provided identity theft reports I want the 9 hard Inquiries removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX Bank multiple times now regarding a fraudulent credit card that was open in my name. I have supplied them with the FTC report and the Police Report. My identity was stolen. There were bank accounts, credit cards, and utilities open in my name. This individual was using my contact information and stole my identity. I have tried to resolve this with XXXX multiple times now and they are stating that they are unable to remove this item because they verified that it was mine. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681 g ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
15 USC 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Pursuant 15 U.S Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof if the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have supplied XXXX with all the above documents to remove this item from my credit report and close the account as fraudulent and they are refusing. I received the attached document from XXXX but no additional documents to prove that this account was mine. XXXX is stating that cards were mailed to me- I travel for work and at the time the card was opened I lived with multiple roommates XXXX is stating statements were sent to an address that belongs to me- like stated above I had roommates XXXX is stating payments were made from an account that belongs to me- there were also fraudulent bank accounts opened in my name XXXX is stating I received benefits- this is false XXXX is stating a phone # that belong to me contacted - like stated previously there were fraudulent utilities opened in my name as well. XXXX is in violation of my consumer rights and several federal laws!! I am demanding this account that arose from identity theft removed immediately from my consumer reports. The attached document from XXXX has NO EVIDENCE and NO DOCUMENTATION to prove any of these findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XX/XX/XXXX ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information XXXX my credit report : My XXXX XXXXXXXX # XXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXXXXXX # XXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX # XXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Applied for forbearance with SoFi via servicer ( XXXX ). Docs were sent on XXXX and I did not receive written decision as of XXXX/XXXX/2016. No explanation was provided within 30 days and as a result my loan is close to default ( 120 days ) .The lender, SoFi , did not respond within the time frame ( 7- 14 days ) described within their forbearance request policies and procedures ; 33 days have elapsed. Upon inquiry with the servicer, They noted I did not engage with their career services department. This was not noted as a requirement or contingency for general forbearance, and as a result I believe my request was rejected. I only learned this through a conversation with a Servicer Representative and not in writing as requested. As a result my credit continued to be impacted negatively and my loan is at risk of falling into default. I am willing to pay but at the moment lack the ability.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a complaint with cfpb ( complaint # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX XXXX XXXX, CA. On XX/XX/2023, they ran my credit without my permission, and I was not interested in purchasing a vehicle nor co-signing for anyone. I was with a family member who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/2023. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. The five finance companies who unlawfully ran my credit without permission were XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality.
Product: Credit reporting

I was on the phone very long with trans union and finally a representative came on the phone to supposedly resolve my issue, however, they simply gave me the run around about doing a phone verification, but never did it after XXXX additional calls and long wait times again they finally informed me that they cant get it done.
Product: Checking or savings account

This is about Huntington bank Only! 

I opened an account on XX/XX/year>, a checking account and also a savings account. That day I added {$120.00} into my checking account. I made one transaction online and put {$40.00} into my savings account. Since I moved to XXXX  from XXXX, I did XXXX bank to bank transfers from XXXX to my new bank Huntington Bank. The wire transfers went through. I did one for {$1000.00} and the second one was for {$1400.00}. After I saw that they went through on XX/XX/year>. They blocked my account for logging in to see my accounts. I went to Huntington bank to withdrawal {$500.00} and they took forever to come to the drive thru and when they did, they said I'm sorry, but your account is on hold, and you will have to call XXXX XXXX XXXX and talk to the main branch. I called them twice and they gave no information accept they are closing my account, and you will have to wait for a letter in the mail. So, no letter has come as of yet, so I called back a week later and they gave me the same runaround. I told them they have one week to have my check in the mail, or they will be hearing from my lawyer. They still did not care. This money is Federal funds that I need for my school. I have my classes starting next XXXX  and I need special software that cost money to be able to attend this class. I trusted in this bank to do my transactions with, and I am very disappointed and not to give me a reason to hold my cash funds. I think this bank should be held accountable for their actions, it's against the law to hold my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian credit bureau on XX/XX/XXXX for a 30 day past due payment from XXXX XXXX. Payment was made before 30 days past due but due to the statement closing early XXXX XXXX reported this incorrectly. On XX/XX/XXXX  XXXX  XXXX completed the Experian dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX  on all three credit bureaus reports. Now XXXX XXXX has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to Experian incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to show that I have a balance of over {$18000.00} on a XXXX XXXX Credit card. This card has been paid off for a few weeks now, yet continues to show on my report. Please remove and update so my credit score can be updated please.
Product: Debt collection

In XXXX of XXXX, I reached out to Wells Fargo to dispute a closed credit card account with them. I spoke with a representative to explain that I didn't open a credit card with them while I was in college in XXXX XXXX in XXXX, especially due to the fact that my school provided more than enough financial resources as a full scholarship student. I disputed their claim that I ever owed them money much less opened a credit card with them. I also requested a copy of the contract they claimed I signed to open the account, which an employee agreed to do. 
After a month without receiving said " contract '', I reached back out and got a run around from department to department. Once I spoke with someone, I reiterated that I never open an account, I'm disputing it for removal from my account, and requested that they once again send me a copy of the " contract '' I apparently signed. I also noted to employees this time around, that this happened during the time Wells Fargo had been opening fraudulent accounts, dating back to XXXX. I reassured I wasn't placing blame on the employee, but got them to acknowledge that my dispute falls in the timeline of Wells Fargo 's illegal fraudulent activity. The opened a dispute and once again said they would resend the contract. In XXXX, I finally received a XXXX C from Wells Fargo that XXXX the debt, but however still said I was personally liable for the debt. As of today, all credit bureaus ( XXXX, XXXX XXXX XXXX  XXXX show a Wells Fargo account under closed accounts in my reports for a card I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/XXXX is reporting incorrect information on my credit report. I have contacted SYNCB several times to get my account updated. I have not received any updates on the account. The account still shows DEROGATORY.
Product: Debt collection

I was called today by XXXX XXXX from number XXXX XXXX at XXXX cst on XXXX XXXX about a payday loan from XXXX for {$450.00} and he stated this long talk about this debt which I put a stop payment on through my bank on this account for this loan due to could not afford to pay it so had to do stop payment to keep from getting hit with fees so this man stated needed a disposition to and was using words I had no idea was or meant and then threaten to take legal action over phone so told him go to court and hung up. Last email I got from XXXX XXXX XXXX stated has until XXXX XXXX to contact them to pay off or set up payment plan before debt was sold off to a third-party debt buyer was unable to.
Product: Mortgage

My mortgage was with XXXX XXXX Loans. This company sold my home loan to Fay Servicing. When I contacted Fay, I spoke to one of their agents who informed me that I would be receiving a package within the next two weeks. I never received the package and so I called back and was informed that Fay foreclosed on my mortgage. I immediately went online and found out that Fay was scamming me just like they did to many others. Fay was fined {$1.00} million for their illegal servicing practices. Upon checking the Summary of NC Mortgage Lending Laws and found out some things such as they must have an office in the state of NC which I think they do not. I hope that you can help me to stop Fay.