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

XXXX  and experien they reporting my publick record chapter XXXX  bank cruptsy and and some accounts they are not investing correctly nor providing me method of verification or prove how they verified the info is correct its been 1 year am disputing with them please help me out
Product: Checking or savings account

Bank is refusing to dispute and credit for transactions, per card holder agreement. Bank is causing the plaintiff personal and professional damages and life-threatening medical complications. Account holders are released of all liability for matters involving the bank and any direct or indirect events that may arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( XX/XX/23 ) i've contacted this company about reporting inaccurate information accounts that dont belong on my report that are currently giving me a hardship within my life that's stopping me from making purchases and extended my credit to the companies that I actually want to do business with. I know under U.S.C 1681 e ( b ) they should be furnishers of information, such as creditors or lenders, have a responsibility to provide accurate and complete information to consumer reporting agencies. 

XXXX ( XX/XX/23 ) i've spoken with this company about the same problem reporting inaccurate information there telling me to just wait XXXX ( XX/XX/23 ) I've contacted this company about inaccurate information
Product: Debt collection

MY PERSONAL INFORMATION INCLUDING ADDRESS, FULL NAME, DATE OF BIRTH, SOCIAL SECURITY NUMBER AND DRIVER 'S LICENSE INFORMATION WAS USED TO FRAUDULENTLY OPEN ACCOUNTS, RESULTING IN SEVERELY DAMAGING MY CREDIT PROFILE. THIS HAS ALREADY BEEN A VERY STRESSFUL PROCESS. MY LIFE HAS EXPERIENCED MANY HARDSHIPS BECAUSE OF THIS. PLEASE CAREFULLY REVIEW AND REMOVE ALL INACCURACIES DUE TO IDENTITY THEFT. THANK YOU.
Product: Credit card or prepaid card

Citibank offers the Costco Anywhere Visa and it was closed due to not providing a copy of my Social Security Card. Odd however its up to each financial institution to figure out how to limit risk. 

As a result of my negligence to provide its was closed without informing me and I still had a balance. In an attempt to be responsible I paid it off in full. As a result I had an overpayment of, {$96.00}. 

After multiple requests to return the funds to me with Customer Service theyve falling on dead silence. The most recent request is XXXX  however I still have not received the funds to me. 

Im hoping you can help me with this matter. The amount feels trivial but regardless a XXXX dollar institution can not find a way to get money thats owed to me.
Product: Checking or savings account

they closed my account and no word on my funds no one answers me i had {$930.00} no check nothing account info XXXX XXXX phone numer XXXX dob XX/XX/year> last XXXX of the card XXXX
Product: Mortgage

My XX/XX/XXXX house payment went up {$900.00} without my prior knowledge. Literally the day before I was set to make the payment, XX/XX/XXXX, my husband got an automated call about the account, although, nothing specific was stated. 5 days after the payment is technically due. Turns out the escrow account was empty because Nationstar gave us back the money in the escrow account and lowered the payment by {$400.00} one year ago. After doing their escrow analysis in XX/XX/XXXX,  which was n't much of an analysis, considering we had lived in the house 9 months, they did n't take into account the fact that it was a new purchase and the taxes were going to increase. I had already paid the supplemental tax in XX/XX/XXXX of over {$4000.00}. If I had any clue that it was a mistake I would have called but I thought that perhaps they had collected too much when we closed our loan in XX/XX/XXXX because so much money is taken from you, honestly. Nationstar ended up paying the increased taxes ( {$5900.00} split ) in XX/XX/XXXX and XX/XX/XXXX but did n't tell me that the escrow account was severely depleted. Now I have to borrow the money to replenish that escrow account otherwise the new payment would be a burden. Any time they could have told me. I realize I could have looked at the statements but everything is done online and it 's very user friendly, very simple to pay without looking at the statement. I had no reason to believe I needed to double check anything. No one called, no one emailed, there were no alerts on the account. Also when I spoke to them over a week ago they told me they were going to send it to an escrow research dept. I just spoke with them and there 's no record of that. What kind of way to do business is this? I did n't know, but they should have known and could have been, at the very least, courteous enough to let us know, instead of dropping it on us like a XXXX. Badly done Nationstar or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please delete/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX Balance Owed : {$33000.00} 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a name change a decade ago, which I can provide documentation for - I have a court document. Before this time, I was able to take out student loans, and since then, I have been able to open a couple of chequing accounts. 

However, one of the three credit unions believes that I don't exist, in that they will not provision a credit score to my financial institution during my current mortgage search process ( this being a first-time mortgage- if I could actually get one! ). None of them will verify my identity, so I can not receive my annual credit report. 

So, I don't exist, and I can't take out a mortgage, or even get a credit card - and I work for a credit card company! Anything that shows up on my account for the past 10 years should be fraudulent, because I haven't even been able to use my credit for my own purposes. But I can't use my credit, and I can't even monitor my credit. 

Listen : I have the better part of a XXXX dollars in my 401k, but I can't get a {$200.00} credit line on a credit card. 

Every couple of years, I try to resolve this, whether by contacting my financial institution for help or calling the credit agency 's call center directly. On my most recent attempt, in addition to things like phone calls, I was mailed an envelope with a security code. But because I lived in an area with significant flooding, the roads into my city were closed for several days around the time the code would have arrived. My code ended up arriving 14 days late- which is the duration of time the code would have been valid for. The same minute I retrieved it from my mail, I went to my desk to enter it, but it was too late. 

I don't know what else to do. I just want two things that every citizen deserves. I want my credit report, because I want to manage any fraudulent activity on my account. And I want to have a credit score - any credit score will do.
Product: Debt collection

I went to the hospital complaining of XXXX  of XXXX  and XXXX XXXX  in XX/XX/2016. I stayed 3 days and was treated for XXXX and XXXX. A year later I received a bill. I immediately contacted the hospital and my health insurance carry to get an explanation of why the bill was denied. However, the representation informed me the appeal process time had passed and it was nothing they could do to assist me. Furthermore the claim was denied with 24 hours of me getting admitted of which I was not informed. I recontacted the billing department at the hospital and was told to email the billing supervisor of which I did but no response. I said that to say if I would have received a bill in time enough I could have appealed my health insurance decision. This bill has now been place in collections with Transfinancial Collections and the hospital has no records of the bill because its no longer in their system. I have never did any business with transfinancial company and I believe this is a HIPAA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three collection accounts reporting on my Equifax credit report that doesn't have the Collector or Original creditor named for me to contact. I wrote Equifax previously about this matter and they have kept these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  down payment at XXXX in which the contract was explained to me and the female told me the wrong price and apr lock me with a illegal amount at 28 % XXXX credit score XXXX invested with XXXX XXXX XXXX XXXX XXXX XXXXXXXX value on car worth is XXXX cojmpany had me at 9 % apr I switched to an cheaper vehicle and apr became 28 % swap me from XXXX auto financing to XXXX XXXX XXXX XXXX supervisor told me that the APR 28 % was to high dont know why i received that one my credit score was XXXX now is XXXX making it hard to get a good job and different important things I was making the payments then they repoed the my vehicle damaged it and stole personal belongings and money I did a claim and they never contacted me I tried to sell car to XXXX since I purchased it consistent problems alternator transmission even a Broken passenger seat never was able to fix or they didn't care XXXX told me they did a 130 point inspection which is false because the problems with the vehicle there is and undisclosed accident they didn't tell me about that is why the passengers seat Broken dangerous to the safety of my self and any occupants They say I owe XXXX or more on the car it's value is XXXX which I've have payed XXXX so far I wasted a substantial amount of money gas XXXX weekly and batteries Because there negligence not fixing car before selling it to me Repo company XXXX  used XXXX  XXXX XXXX damaged my car and stole items that has been talked about or replaced I have video of some damaged I noticed on the lot where it was towed to guy told don't take pictures or video until I was off lot I declined and video this situation I loss my job when they first repoed my car and my belongings I need this company to stop harassing me I would like a refund of down payment and /or money invested from selling it with bad alternator and transmission and car seats and undisclosed accident its very unfair and deceptive please help me thank you Dealer fraud. 

I sent Cease and Desist through fax I want an Revoke Of Signature Right of Rescission Validation of debt, I asked months ago Affidavit of Truth.

Per U.S. Federal Laws and Regulation TILA Violations noted FCRA Violations noted Improper use of credit reports violations noted 15 U.S.C 1611 violation 15 U.S.C 6802 violation 15 U.S.C 1692 violation 15 U.S.C 1681 violation Notice of Disposition required Under UCC 9-610 12 CFR
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report
Product: Vehicle loan or lease

Hello, I am having a problem wi th Wells Fargo Dealer Services ( my  car loan ). Around  XXXX  of  2016  I became unemployed. Therefore, I was having problems making my payments. I calle d WellsFargo Dealer Servic es and explained to a representative that I was unemployed and needed help making my payments. The representative stated that they could set up a payment arrangement. I was told to make my  XXXX  payment in  XXXX  parts. My monthly payment is {$440.00}. Therefore, we agreed that I would pay {$220.00} in  XXXX  and {$220.00} in  XXXX . I made my payments accordingly. They, however reported me as " late '' to the credit reporting agencies. This is unfair because I was never advised that though they set up a payment arrangement, they would still report me " late '' to the credit agencies. I spoke with a Supervisor at  Wellsfargo Dealer Services and also sent them a letter asking that they correct the problem. They refused to do so.
Product: Debt collection

Every month I pay over the minimum balance due on my Conn 's account. My payment of {$4.00} was due yesterday. I received a text message reminding me and that was great. Today makes me one day past due, and the harassment begins : XXXX XXXX - recvd phone call at work. I sent it to voicemail, but no message was left. XXXX XXXX - rcvd past due email notification. XXXX - recvd 2nd call while at work, sent to voicemail, no message. XXXX XXXX - recvd 3rd call at work, sent to voicemail, no message. XXXX - Recvd 4th call, in heavy traffic heading home, sent to voicemail, no message. XXXX - 5th call, annoyed because they would n't leave message, so answered call, was general recording, no live person, terminated call. XXXX - Recvd 6th call, sent to voicemail, no live person, no message left. XXXX - Recvd 7th call. Extremely irritated, took call, went through all the prompts, finally spoke to live person. I asked why I 'm being harassed so much for a payment 1 day late and due less than {$5.00}, when I always pay over the monthly payment of about {$43.00}. Rep Ignored my question and informed me the amount of payment due and wanted to know if I would pay by check or credit card. I asked again about the calls and electronic notifications, to which she told me those were n't contacts because a live person did n't speak with me. Asked to speak with supervisor. XXXX, identifying as a manager, also said the contacts were not with a live person and notification otherwise did n't matter if they did n't speak with me live. I informed her I was on my 2nd day at a new job and that it was ridiculous to call so much for a payment due only 1 day late for less than {$5.00}. She offered to remove my number but I declined and informed her that I did not want to stop communicating with them, but that the harassment had to stop and that I would be filing a complaint. She said my account would be noted, and documented that she offered to remove my number but I refused. What the heck? This is complete harassment and Conn 's should not be allowed to treat consumers like this!! Especially when it 's for less than {$5.00}, and only one day late. This is nonsense!!
Product: Credit reporting or other personal consumer reports

Hello CFPB Representative, I actively check my credit report, as I am working towards a better quality of life as a new mom. However, after stopping by a car dealership, my credit has severely been misused by the dealership financial department. I am reaching out regarding a series of hard inquiries on my credit report that I believe were made without my consent and full understanding. 

I have been actively working to repair my credit in the best way possible to ensure I can run my business effectively. Since taking the initiative, my credit has risen 100+ points. I too fell hard during the COVID-19 crisis as many other American 's. Yet, since been able to raise my credit score through diligent efforts. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. Below are the details of the inquiries that are 100 % not authorized : XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Automobile Dealers, New Address : XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Automobile Dealers, New Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX Business Type : All Banks - non-specific Address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX UT XXXX By mail only Scheduled to remain until : XX/XX/XXXX I kindly request your assistance in investigating these inquiries and removing them from my credit report as soon as possible, as they were made without my consent and are a violation of my rights under the FCRA. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

Ive been applying for loans an not Recieving anything but approved would like to receive all payments.
Product: Payday loan, title loan, or personal loan

On  X/XX/2017     Cash 1  in  XXXX , Arizona withdrew unauthorized amount of {$58.00} by writing a random check number to use to take money electronically out of my bank account. On   XXXX    , this same company also used another random electronic check number to withdraw {$58.00} out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, I am filing this complaint for the SECOND time because upon my research it appears that Lexisnexis is furnishing invalid, inaccurate, unauthorized, and unverifiable information on without written consent. I have wrote to courts and pacer and i have proof that each one of the do not provide information to third parties companies such as LexisNexis. Lexis Nexis promotes fishing bankruptcies on XXXX which is a third party who search for information and sells this consumers information without written consent. By reporting this information it has terribly harmed my ability to obtain credit and caused great harm to financial well being. I demand that this information based on the my permission. LexisNexis provides inaccurate unauthorized and unverifiable information on companies Verified and Unverified consumer reporting list. I have attached my supporting documentation to this complaint. I demand this information be deleted immediately from my profile on your verified and your unverified consumer reports, By reporting this information you are in violation of multiple consumer laws in including privacy law *15 USC SEC *** ( a 4 ) *15 US Code** b Permissible purpose of consumer reports *15USC*** a ( e ) Investigative consumer report by the provisions By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from report immediately. It is my understanding that you will recheck these items, and remove immediately
Product: Checking or savings account

A payment was deposited to my acct on XX/XX/XXXX for a business transaction and Chase bank has frozen my " entire '' acct funds which exceeds the check amount causing business financial problems. Instead of holding the cashiers check they froze my acct. I can not pay my employees or run my restaurant business. It will close
Product: Checking or savings account

I called back in XXXX to remove the overdraft abilities as I didn't want to pay fees. They told me it was fixed. Today it is at over {$200.00} negative and I never went over the limit nor overdrafted. They agreed to refund {$75.00} of their fees and now I keep getting more and more. They are threatening to report me to early warning if I don't magically come up with money I never had nor wanted responsibility to.
Product: Debt collection

XXXX XXXX XXXX is claiming that I owe them {$2100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

Same as my last claim, Bank of America had contacted me telling me that they are asking for information from the merchant involved and telling me that they are asking for email and IP address involved in these transactions. This is absurd that the bank doesnt think that these charges were fraudulent and are so close-minded about the possibilities of how the fraudster made these transactions to look like mine. The person i talked to from Bank of America was named XXXX XXXX, she told me that a police report would not do anything as they dont investigate even if you file a report!! She said it wont change their decision XXXX bit! This is a lot of money that XXXX potentially losing just because of this bank! 

In regards to complaint number : XXXX
Product: Student loan

I am currently in the middle of changes, and getting a good full time position, as well as making a move. I feel my student loans hanging over me, and I have a lot to figure out. I know there are many in circumstances possibly related. My issue is XXXX related and finances to repay monthly.
Product: Checking or savings account

I had an identity theft in approximately XXXX of 2022. Citi Bank has closed an account of mine and still has funds. They refuse to send me back my funds. I have been told for at least 6 months that once the account is closed they will send me my money. I have a statement showing the account is closed and there is {$770.00} in the account. When I call they give me no information and then they hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX. I was checking my XXXX XXXX, as I had been paying off some collections and noticed misinformation on Equifax 's info. 

After trying to file a dispute online in which I was asked questions about loans and/or information that was NOT mine. I called them and proceeded to have the same trouble. They mixed my file with someones of the same name in another state. 

I had finally got it removed after many calls, for it to now appear again in XXXX. 

They are still mixing me up with another person of the same name in another state. I want this straightened out. and the mixed files separated.