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

Ive been disputing this matter for over a year on both of my vehicles which where purchased through XXXX XXXX XXXX XXXX it been effectiving my credit score an business credit due to false info which Ive provided proof that the car was settled out as a total loss Ive submitted XXXX disputed with equifax XXXX with XXXX an once with XXXX my credit score should be in thee 700
Product: Mortgage

Date XX/XX/year> Amount {$1200.00} they gave me a hud partial claim document package to fill out
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act LexisNexis Account # 's 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 a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Mortgage

My mortgage company is Mr. Cooper, a brand name for Nationstar Mortgage, LLC. On XX/XX/2019, the company used money from my escrow account to pay property taxes on the wrong parcel of land. Because of their incorrect payment combined with the correct payment, my escrow account has a negative balance. The company has raised the price of my mortgage from {$1000.00} to more than {$1500.00} a month to make up for that negative balance and pay for their mistake. They have admitted to paying on an incorrect parcel, yet 7 months later, I am still being held hostage by their inflated note to account for an error that occurred on their behalf, not mine. 
I have called more than 10 times since this error first came to my attention, beginning in XXXX. I've spoken with their escrow department, as well as people from their executive resolutions and escalation teams. Six months have passed with absolutely no resolution, despite an admission of error on behalf of the mortgage company. I'm being told that until they receive a refund from the county for the incorrect taxes, there's nothing they can do. However, the county has told me they've received no phone call or correspondence from the mortgage company. My escrow account has been mishandled, and I am paying the price for it through no fault of my own.
Product: Vehicle loan or lease

A few months ago I was looking a car so I could build my credit I looked on the internet and I found this place in  XXXX  where I have  to drive  to look at the car I wanted to buy they advertise that it would help me with my credit so I took the advantage and I bought the car from there thinking they will report it to their agency but since I have bought it they have not did  one  reported at all to any of the  XXXX  agencies Bureau. I have been paying for going on 6 months straight and they have not been reporting it at all and when it was time for me to pay off my car I call them and I spoke to them about it and they said they will update it as soon as possible they were having problems with a software I gave them weeks and weeks and they have not kept in touch they said they will report and update all the information but they have not done so I called them all the time and all they say is for me to wait I think it 's not fair for anyone to go through this I paid 6 months and also paid off the car and they still have not reported anything this is a scam Bank and they should pay for it now my credit is the same place and Have Not progress since I 'm missing every month I update for 6 months straight and a payoff which shall gave me at least a good  credit score  for me doing a wonderful job. So I traded the car and  XXXX  paid off the balance and because they were n't reported to the credit bureau my  credit score  interest was higher and they required more money down on the trade in, when I first did the deal with the bank I did a trade in and I also put {$4000.00} on top of it and they still ripped me off completely with paperworks, so this was a total loss for me and they are not making anything better to help the situation. I would like my initial down payment back if possible and have them report the correct information.
Product: Checking or savings account

Wells Fargo authorized a payment without my consent to XXXX XXXX XXXX  This was in 2011, they never credited my account to show good faith.. My Child was a student there during this time. Any help would be greatly appreciated. 

Thank you, Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, XXXX AND TRANSUNION.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A CREDIT REPAIR COMPANY. I AM THE NATURAL PERSON THAT OWNS THIS ACCOUNT AND THE SSN ATTACHED. I have been disputing these accounts for years now. I read in an article date XX/XX/XXXX ... " XXXX, Equifax, XXXX XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' ... ... it also states " XXXX said in his XXXX XXXX letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. The subcommittee found that Equifax changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. XXXX corrected about 52 % of the disputed late payments or other bad data and XXXX fixed between 49 % and 53 % of disputed credit reports during this time, the subcommittee found ... '' These companies DID NOT investigate my accounts. Per the CFPB website .... " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a XXXX government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions ... .. '' this is FALSE. This company has not responded to my disputes and the CFPB has not done anything to help me. For the past two years this has caused much stress. If nothing is done, I will be joining a class action lawsuit against your company. XXXX, XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

I was contacted a couple of months ago by XXXX XXXX at First Tennessee Bank telling me that the bank needed to change the name on my business account to reflect more accurately the type of business I was now in. I told her that my company name was XXXX XXXX XXXX and that was what was registered with the Secretary of State of Tennessee. It also was what I had registered with the Internal Revenue Service, it is what is printed on my checks, and it is the name that my continuous bond is registered with U.S. Customs. I told her the bank could not change the name of my account from it's legal DBA name. I then received an unsigned letter last week from First Tennessee Bank saying that I had agreed that First Tennessee would have the authority to terminate my account. I certainly never agreed to allow the bank to close my account without cause. I believe my account was opened in XX/XX/1994 so I can not recite the exact terms I agreed to and they furnished nothing in the way of documentation, what terms I agreed to when I opened my account. I realize that banks find small business probably more of a nuisance and so are not big on providing them customer service but I have always maintained my account in good order. Being a XXXX XXXX XXXXt and also have my XXXX degree in XXXX I do know that a bank can not force companies to change their name on their account to something like " Guy who sells stuff on the internet '' when his legal DBA name for the corporation is XXXX XXXX XXXX. Either this is an attempt to harass small business into closing their accounts or the bank is actually going to change customer bank account names from the name under which they do business. Either would certainly exceed the authority a bank has over my money. This has caused me tremendous damage both in time and angst in having to relocate my account and also being told that I can not talk to someone in compliance because they don't talk to customers. I am therefore wishing to file a formal complaint against First Tennessee Bank. I will be happy to furnish whatever documentation you require. 
I have also filed this complaint with the Office of the Comptroller of the Currency and will be filing with the XXXX XXXX XXXX
Product: Student loan

I received a notice with my name and social security number was listed as co-borrower for a student loan. I never opened or authorized anyone to use my information to take out a loan with my personal information.
Product: Checking or savings account

I went to withdrawal {$600.00} at a XXXX XXXX XXXX XXXX. I used my chime card. The money got stuck in the XXXX  and I was stuck on a waiting screen for about XXXX minutes. It finalized the withdrawal and gave me a recipe but no money came out. I put in a dispute with chime and they declined it with out even contacting XXXX XXXX. I know this, because I contacted them and there distract manager said chime never contacted them. XXXX then said they cant do nothing until chime does.
Product: Checking or savings account

On XX/XX/XXXX a tax refund check was deposited into the checking account. On XX/XX/XXXX the funds were cleared and I arrived to the bank to make a withdrawal. I was treated like a criminal, they asked me about the check that was deposited and also what the money I was withdrawing was going to be used for. I waited over an hour, they made me get on the phone with their fraud department and I was notified by them they have frozen my account and no longer want to have a business relationship with me. I feel this was done because of my circumstances and the area I live and bank in. I couldve believe I went to make a withdrawal and was denied and now I can not pay my bills and my money is being held hostage. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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 4 business days after the date of receipt by such agency ( FTC ). THE FOLLOWING ADDRESS ARE NOT MINE PLEASE REMOVE :XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

This morning I received a email that reads On XXXX, Wells Fargo reported a bank account opened with your SSN. My wallet was and identity was stolen on XX/XX/2021. I did not approve this account or authorize anyone to open an account. This is unauthorized. This is fraud as I have no account with Wells Fargo open. I have a fraud alert on and no account can be open with verifying its me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX & XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX
Product: Prepaid card

I just got off the phone with social security and they said for me to let y'all know that the check was put in the account with the last number being five so I put on social security page XXXX BUT Mt  account number is XXXX. Social security have put a trace in the check and it's in your bank. The account number was off by 1 number. The check was for XXXX XX/XX/year> I gave the trace number is XXXX
Product: Mortgage

We closed on a residential home loan on XX/XX/2012. The original purchase price of the home was {$330000.00}. The market was rebounding and the appraisal came in extremely low at {$340000.00} and so Private Mortgage Insurance was assigned to our loan for a term of 5 years or until the loan was paid down to 80 % of the appraisal value. The loan contract specifically states that the buyer is entitled to pay for a new appraisal after paying 60 consecutive payments. However, the contract stipulates that the lender ( LoanCare ) gets to choose an independent appraisal company of their choice.

We have contacted the LoanCare on multiple occasions requesting that they schedule an appraiser and let us pay for the new appraisal.The property is now estimated at an appraisal value of {$600000.00} and we owe {$290000.00} on the mortgage. Currently, our loan to appraisal value is approximately 48 %. However, the lender will not respond to our requests except to send letters that say, " We have received your request and will be in touch with you in 3-5 business days. '' LoanCare fails to follow through and they keep billing us $ 379 monthly in private mortgage insurance. They are not honoring the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to delete the account XXXX XXXX XXXXXXXX I tried to taken action against them and was not successful in anyway please help me delete this account from my Consumer report. 
I did not open this account. 

Name : XXXX XXXX XXXX XXXX open : XX/XX/XXXX Amount ; {$410.00} Name : XXXX  Date Open : XX/XX/XXXX Amount : {$190.00} THESE ARE NOT MY ACCOUNTS
Product: Debt collection

Midland Funding LLC claims that my husband owes them a debt despite my husband and I showing " proof '' of Identity theft. They continue to harass us daily, demanding money for this debt. We have proven to them numerous times that it is not his and they keep selling it to other agencies within their own agency. They call us 4 -5 times a day harassing us. My husband works long hours so I am the one answering the phone at home. Most of the time they ask for him but refuse to tell me who they are! A few times they have told me they are Midland Credit, attempting to collect a debt my husband owes. Now that they know I am his wife they are threatening me, saying that they are going to send police over to arrest my husband and I, they are going to have my house and cars taken away from us and that we would be sued! I explained to them that we had already proven to them that the debt was n't my husbands and to please leave us alone and stop harassing us. The " lady " that spoke to me on the phone said, they would leave us alone once when we paid what we owed. I continued to beg them to leave us alone and they continue to call back about 4 -6 times daily and sometimes they call late at night. The caller ID is also showing different numbers and there has been a few times where our own phone number comes up. 
We live in fear of police coming to our door with a debt that he does n't owe. We do n't know where else to turn to make them remove this debt and stop harassing us.
Product: Credit card or prepaid card

I have been paying down my debt on my TD Cash Card and the interest rate was going down until today i noticed that the bank increased the interest rate almost XXXX XXXX. When i called them up they told me that the interest rate was variable. 

I can respect that but for two things : there was no interest rates increase from the fed in the time the bank decided to increase the interest rate on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to cancel my subscription. I signed up for a free trial. I was billed once. I then tried to cancel it. It appeared to be cancelled. It was not. I then got a new card- and they will not stop trying to pull money from the old account. I get emails and text notifications. They will not stop. I try to go to their web page to cancel- it won't even let me get to a page now to cancel- just a page to update my payment information. I do not want to use this service. It's borderline harassment at this point.
Product: Credit reporting

There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was XXXX and they had written off XXXX accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for XXXX of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under one account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
Product: Credit reporting or other personal consumer reports

Innacurrate address on credit. I've XXXX XXXXXXXX XXXX  address doesn't belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I purchased a XXXX Honda XXXX, from XXXX Honda, XXXX XXXX, XXXX, NC. I decided to take out a loan for {$4900.00}, to pay off the balance of what I owed to the dealership. 
I didn't know that a Sales Manager was going to contact several lending institutions, to finance my loan. Out of 4 banks, one was willing to provide financing for my car.

Over the last week, I received three letters of denial of credit for my requested loan amount. In these letters, it stated that my credit score was below XXXX. I started out with a credit score of XXXX the day I purchased my car, and after these inquiries, my score went down to XXXX. 

Today, XX/XX/XXXX, I called the Honda dealership and spoke with the finance person. He said the reason my score went down is because I only wanted to take a loan for {$5000.00}, and that's considered low according to banks.

Why would this amount effect my credit? 

What do I have to do to recover my score of XXXX? 

Thank you very much!
Product: Debt collection

On XX/XX/2019 American coradius International refused to solve a debt collection dispute. I sent this company proof of me already paying XXXX {$52.00}. They are trying to collect a debit that does not exist.
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 XXXX ; XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Account # XXXX has violated my rights. I have already disputed these items with the bureaus but they did not remove them, nor prove validation.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions