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

My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX XXXX XXXX XXXX As well as inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. 
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  I do not contact these companies for the following dates that have been listed with XXXX XXXX nor do I have accounts for the other companies. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Mortgage

XXXX, XXXX XXXX XXXX XXXX ) notified me that my loan was transferring to XXXX XXXX XXXX XXXX ) effective XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) is billed in XXXX equal installments for the calendar year with XXXX  % due in the months of XXXX and XXXX XXXX XXXX the XXXX installment of XXXX for the bill due XXXX. FM must pay the XXXX installment of XXXX by XXXX. 

XXXXXXXX XXXX bill indicates XXXX as " Tax '' and XXXX as " Fees '' with the description Solid Waste and Storm XXXX XXXX XXXX XXXX XXXX XXXX ) for the property. 

XXXX, an escrow rep confirmed that escrow for my loan closing documentation included XXXX & XXXX. Also, XXXX included in XXXX & XXXX in my previous escrow analysis, including the analysis completed for the transferring of the loan to FM. 

FM responded to XXXX my emails indicating XXXX would be paid, which I have repeated communicated in writing the full XXXX must be paid ; otherwise, my account will be delinquent and I will be accessed a late penalty. 

Because FM has communicated conflicting and changing stories ( depending who you speak with or responds to my emails ), I am concerned that my RET will not be paid in full or on-time. 

I have sent many emails to FM about the payment of my RET tax and will attach the documentation to this complaint.
Product: Credit reporting or other personal consumer reports

While going through my credit report I noticed an account that was not reporting accurately. I have two late payments that were paid as agreed and on time. Consumer reporting agencies have a duty to report complete and accurate information. As proof that this account was paid in time, Im attaching a copy of my report to this complaint for the following date XX/XX/scrub>XXXX XXXX XXXX XXXX. Youll see that two of the three reporting agencies is reporting accurate information., that I did in fact paid my account as agreed. I request that you investigate and provide verifiable proof with records and/or documentation showing that I made late payments. When this information can not be verified, I demand that these payments be reversed to paid as agree paid on time immediately. Thank you for your time and prompt actions.
Product: Vehicle loan or lease

XXXX of XXXX, I went to car dealership XXXX XXXX XXXX in XXXX to XXXX a car I wanted. 
When they check my consumer report, I was told that I was approve by Capital One Bank at a XXXX XXXX XXXX. The tag price was {$19000.00} and miles on the car were about XXXX. 
I was asked for a down payment of {$8500.00}. 

I'm currently happy with the car and the way its performance. 

The reason why I'm filling this complaint is because I came aware of the XXXX law that regulate the XXXX interest rate that a bank institution can charge on a car loan. Base on the usury law the XXXX a bank can charge in XXXX XXXX and/or in XXXX XXXX XXXX XXXX XXXX. I'm paying XXXX XXXX XXXX 
I contacted the bank and they response was that they are in compliance with the law and that they do not need to do any changes to this loan. 

I contacted an attorney and he explained to me that I do not have a car loan that instead what I have is a retail installment sale contract and for that reason he can not help me. 
Now asked to myself, So what is a retail installment contract? 

What is a Retail Installment Sale Contract? A retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. 

*But in reality, it is a car loan that an individual is granted by a lender or a bank institution, but they be very careful not to call it that because if it were a car loan it would be regulated. So, they use a magic substitute word called retail installment sale contract. Which by virtue of federal law is deregulated. 

I believe that the car dealership XXXX XXXX XXXX and Capital One Bank are both working together on this to evade the law.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. 
According to the Experian credit file, XXXX XXXX shows my current balance is {$3500.00} from the {$7400.00}. XXXX finds out that the bank does not have any of my records since I do not have an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a payment agreement with district courts in Michigan of {$40.00} a month with Credit Acceptance. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.
Product: Bank account or service

Beginning in XXXX of XXXX, I had an invoice show up on my pay pal account that got paid without me hitting the " pay tab. '' My bank, Bank of Hawaii, accepted the invoice, even though I did not have the money in the bank, because I was not aware of the invoice. Bank of Hawaii charged me an overdraft fee of XXXX dollars and kept charging me overdraft fees every week that I was overdrawn. I was stunned when I realized I had to pay over a XXXX dollars in overdraft fees from my social security check at the beginning of the following month. 

I called Bank of Hawaii and told them I did not sign an overdraft protection option and please not to pay for anything being charged on my bank account if there was not enough money in it. I told them I was wary of another unauthorized invoice entering my account. 

I explained that I had gone on free book promotion sites to promote my new book and one site had sent XXXX an invoice. I talked to XXXX. She checked my account and said I indeed had not signed an option for overdraft protection and it would not happen again.She was polite and helpful, so I let the matter drop.. 

. Come XXXX, it happened again.I got the same invoice from the same company that XXXX paid. It seems like the company was trying to make their invoice look like an automatic monthly withdrawal.. When I called the Bank of Hawaii and protested,, a supervisor told me the bank needed proof that I won the dispute I filed with XXXX before they would reverse my charges. The supervisor then told me I was overdrawn XXXX dollars and change, and to pay it before Thursday or the bank would charge me again for having an overdraft. 

I got to the bank and covered my overdraft charges on Weds. However, I got a notice from the bank a few weeks later that my overdraft fee had been XXXX dollars and change, and I was being charged overdraft fees again. 

This is three months in a row that I am being charged fees that I have to pay with my social security income for the invoice I tried to warn the bank about. Currently, I am in an overdraft status and the bank is charging me every week for being overdrawn. 

I took my Bank of Hawaii card off XXXX and changed all my settings. I have n't had any unwelcome invoices show up since doing that. 

Here is my complaint : It should not matter when my XXXX dispute ends. A dispute can take awhile. The fact is, I did not sign up for overdraft protection with my bank and I believe Bank of Hawaii 's fees are in excess and based on a false premise. I would like all my overdraft fees that started with the invoice from XXXX in XXXX XXXX and continued through XXXX XXXX, to be reversed. 

If the bank will not reverse my charges from XXXX XXXX XXXX, I am asking for a full review of their overdraft fees on my account from the time I opened it. 

Thank you, I am seeking a reversal of all
Product: Credit card or prepaid card

I'll start from last year. I left the country ( USA ) for XXXX in XXXX and did recovery after that in XXXX. I made a payment to the company via phone because I lost my card and couldn't access my account. I pleaded with the company to make my bank already linked to my ACCT on autopay as I won't be in the USA long enough to receive a new card to access my account. The company has many notes regarding issue. I left XX/XX/XXXX After returning XX/XX/XXXX I had letters from Barclays regarding the account, when I looked at the balance I noticed it was substantially higher then it should be. So I contacted them and discovered to purchases where made on the account when I only made a single purchase so I set up my fraud claim. 

Most of the times because I travel a lot m, y fiance handles the billing issue. But I never used my Barc card more than once so I would always lose it, fiance would forget the password and a new card would be needed so I never really took notice to the account amount. 

Once I noticed the account was used again per agent knowledge I set up a claim. Barclays denied my claim because they said the card was used in the same location. 

But when I was notified of the date I thought back and knew immediately there was an issue as I propose to my fiance in XXXX during the time of the transaction and wasn't even in the state. 

- When I set up case initially I was told not to make any payments on the account but continued to receive missed payments on a credit report and also received missed payment when I called and advised Barclays to put my account on autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a twin brother. Our names Are one letter apart and our social security numbers are one number apart, we have the same address date of birth etc, as most twins do. Recently I discovered Equifax had mixed our credit file so I attempted to file a dispute with them. I spoke with a representative and explain that my file got mixed with my twin brother. The representative assured me this was an easy fix. I outlined what elements of my credit file belong to me and which belonged to my brother. I even outlined the differences in our identifying information. However, when I received the status of my dispute I found that the problem had not been resolved and instead of separating our credit files I was just removed my name from the record. In fact in logging into my equifax I discovered my credit file and the dispute review were all made entirely in my brothers name!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account/company name is XXXX XXXX which is being reported on my Equifax credit report with a {$430.00} balance. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing with the most recent written communication being sent on XX/XX/XXXX. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

In addition, I have contacted the creditor in which I have not received any form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX. I traveled back to my home base in XXXX XXXX the same day. When I arrived that evening, I noticed the door on the drivers side and the passenger rear was not working properly. On XX/XX/XXXX, I took it to a local XXXX dealership in XXXX XXXX where it was discovered that the actuator and several other things were not up to safety standards such as the subframe being damaged. These were never discussed during the process of purchasing the vehicle. Another deceptive practice was when the finance associate advised me to lie on the loan application which I didnt do. I can provide documentation from another certified XXXX dealership and two reputable collision centers for these damages. I have contacted the used car sales manager from XXXX XXXX XXXX. He has been very unprofessional regarding the matter and taking it as a joke. He has used patronizing language like XXXX already been paid buddy. Im wanting to dissolve this transaction and get my {$3000.00} down payment refunded. Additionally, The financial institution Westlake financial has been very unhelpful and is gatekeeping me from doing a fraudulent claim.
Product: Payday loan, title loan, or personal loan

I have reason to believe, and do so believe, that Lendmark Financial Services did not loan me anything and I do not have any alleged debt with them. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Lendmark Financial used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Lendmark Financial has continued to report on my consumer credit report during this time, with no regard for federal law nor my rights as a consumer.
Product: Debt collection

I had my identification stolen and my bank account was hack. it was used to get loans. my bank was closed the account and order stop payments to the company. I have sent police report, Stop payment documents and account from bank and FTC report. 

XXXX XXXX was XX/XX/year> {$2600.00} XXXX XXXXXXXX XXXX {$1900.00} was XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian consistently fails to update my credit score, constantly reports my credit score way lower than it actually is, and ignores my requests for solving of the problem. This low credit score reporting is inconsistent with the other XXXX major bureaus and my on monitoring of my credit, which impacts my ability to make any major decisions like home or car loans. I believe it is based on factors of my personally identifiable information linked to the pattern and history of false and discriminatory practices against XXXX XXXX in XXXX, especially XXXX XXXX.
Product: Mortgage

Wells Fargo has misapplied the funds of my escrow. I had a feeling that one day they would this happen. I have labeled everything on my check, and enclosed the letter stating apply to my escrow and continue to misapply the funds. 

I have enclosed Wells Fargo statement showing and stating it is unapplied funds. 

What is it going to take for this company to stop making these kind of mistakes when the letter and my checks state to apply towards the escrow, unless someone does not know how to read. I see this was done intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that the XXXX account was closed on XX/XX/2018.  This account is still reporting as open on my credit report and the days that it is reporting as late is incorrect. They claim to state that the information is verified as accurate in which it is not!
Product: Debt collection

The original debt was with XXXX XXXX. The debt was then sold to Fidelity Creditor Services. I have been trying to remove this fraudulent debt from my credit report for years now and they have not been helpful whatsoever. My identity was compromised in 2014 which resulted to a lot of fraud under my name. Because if the trauma that has happened with my name and my credit, I decided to make XXXX videos talking about credit. Because I have made these videos public, Fidelity Creditor Services will NOT remove the debt because they feel that I am pretending. They are so unprofessional and have been of no help! There are several complaints online about how unprofessional and cruel they are. There are hundreds of complaints on how Fidelity Creditor Services has made people feel terrible and they have scammed so many others. I am asking for a proof of the original contact along with a copy of the ID because there is NO WAY POSSIBLE that it is my ID that was used to open the account. If they actually pay attention to my dispute they will see that my real ID was never used.
Product: Debt collection

I contacted the debt collector I.Q. data on XX/XX/2020 to request information on this debt that is over 3 years old. I requested in writing the information and haven't received it and its been over 30 days. I was told by a supervisor that he refused to send the information to me and that it didn't matter, I just needed to pay it. There was also obscene language used against me by two different people and my personal information was asked without my permission to obtain it for some kind of loan process that sounded fraudulent.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau for breach in my personal information
Product: Checking or savings account

I was receiving my direct deposit like usual and all of a sudden my account was closed with my funds still being held. I reached out to chime several times and was told that I needed to send in confirmation of were my direct deposit had been coming from. I did that then received an email just saying that chime has the right to close my account for WHATEVER REASON THEY WANT. I said it was fine that they feel they need to close my account but what about my funds still held in the account. I have yet to receive an email back.
Product: Debt collection

PDM Debt Mediation {$110.00} creditor : XXXX XXXX XXXX This creditor incorrectly used my medical insurance instead of XXXX insurance which covered the refraction. When I went to his appointment, I provided my XXXX insurance because I knew about my XXXX conditions. Specifically, I told them that I want to do my glasses but I have the XXXX condition. They told me that they can do my glasses. XXXX insurance covered my glasses and the refraction. Due to my XXXX conditions, I am experiencing XXXX XXXX or a XXXX XXXX XXXX XXXX on the eye chart, a XXXX would be needed to see if this is due to a need for XXXX. A XXXX is also necessary to prove to insurance the need for XXXX XXXX. Because at that moment and time, I do not have the date for my XXXX, I went in there for first time in order that they prescribed me for glasses until I can do my XXXX which I need to postpone because I have a XXXX XXXX. They incorrectly used my medical insurance to diagnose me with cataracts conditions which I told them since the first date that I have it. They refused to use my XXXX insurance which completely covered the service. Since then they have been harassed me with this bill. XXXX XXXX XXXX never sent me any resolution. Instead they sent this to Debt Collector.
Product: Vehicle loan or lease

I fell behind on my car payments due to financial difficulties but made several payments over the course of XXXX months in an effort to catch up. Despite these payments, I still remained XXXX months behind and ultimately had my car repossessed. I believe that Ally Financial is intentionally adding excessive finance charges that prevent customers from ever fully paying off their past-due balances, making it nearly impossible to catch up. No matter how much I paid, the amount I owed never seemed to decrease enough to bring my account current, leading to an unfair cycle of debt that resulted in the loss of my vehicle.
Product: Student loan

I set up payments on my loan through my bank, XXXX. My monthly payments started on XX/XX/XXXX, and continued to be sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Although the amount due was only {$40.00} each month, I 've been paying {$100.00}. Heartland ECSI, my student loan provider, processed the first two payments correctly, but claim not to have received the last two. I 've provided them documentation from XXXX, confirming the payments, but they have n't been able to resolve the issue over the last two weeks. I feel like they are dragging their feet on a resolution. I am now making a payment of {$88.00} to bring my account current, but no one seems to know where the {$200.00} has gone. It is my preference to continue paying through Bill Pay, as I pay all of my bills that way.