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

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

My account number is XXXX with One Main Financial. There is not an option available for what the issue is. 

Concern : I notified One Main in XX/XX/XXXX that the vehicle used to secure my loan was non-operable, requiring over XXXX XXXX in repairs and even if the repairs were made there was no guarantee that it would resolve the issues. I then asked them to come to get the vehicle so it could be auctioned and the proceeds applied to the balance, after this was resolved we could discuss any outstanding balance and make appropriate arrangements. I also explained I am only available via email due to my busy work schedule. The company offers an email to contact them but refuses to respond. 

I got no response, the vehicle remains here. In XXXX I removed authorization for them to charge my account ( XXXX XXXX ) and again notified them via written correspondence to contact me via email and make arrangements to come to get the vehicle to auction. I also filed a complaint with XXXX. The company did not respond to any of the above. Today I was charged a payment, which I did not authorize and I subsequently stopped payment. 

Second concern : The company has been charging me for insurance which I have had via XXXX on my XXXX since I got the vehicle. I have notified them multiple times I have insurance and they were listed as the lienholders. I requested a refund, and have gotten none. 

Third concern : Predatory interest rates. When I financed through them they offered to pay off my existing loan and offered me a lower payment. I owed less than XXXX when I refinanced. I refinanced in XX/XX/XXXX. I now owe over XXXX and have made on-time payments every month. This is not what I agreed too.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Checking or savings account

I open wells Fargo account on XXXX for there bonus they are offering of XXXX terms were recieve XXXX when open account with direct deposit of XXXX or more which I've completed all my employers deposit I have ooma XXXX and XXXX I work for they deposit every week so I called too inquire about bonus offer code XXXX they said I didn't qualify even though I reached the XXXX deposit they told me the way my employers were depositing didn't count toward promotion offers I let them know I'll be reaching out too cfbp they told me good luck.
Product: Credit card or prepaid card

Today, I paid my credit call bill with XXXX XXXX XXXX XXXX card. I asked them if I could have my interest rate lowered due to me having great credit. They told me they could check to see if that could happen, 1 minute later the rep over the phone told me that it wasnt possible because my 15 % apr rate was the lowest. My APR rate was increased without my knowledge plus my credit line last year. I asked for my credit line to go back to where it was before which happened but not my APR rate. I asked to be transfored to a financial department that makes the decisions on APR rates and was denied. Chase told me they could not handle my requests. I was transfered to XXXX card financial department and they told me they couldnt help me and knew very little about Chase bank and the type of deal they have with Chases card services. They only encourage consumers to use XXXX Rewards for 3 % cash back. I then told them I am filing a complaint with CFPB but referred to you guys as the credit consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX : {$1000.00}, XXXXXXXX XXXX  XXXX XXXX XXXX : {$1100.00}, XXXX XXXX XXXX XXXX : {$24000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit score was 679-690. I filled a dispute on XXXX  and equifax to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact XXXX  and equifax both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Debt collection

A collections debt was opened on my credit report XXXX from a debt collection company named Enhanced recovery COXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) phones number ( XXXX ) XXXX. Claiming I owed {$380.00} to XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) But, I have never had either company. I got the debt removed once before from my credit report due to it being a fraudulently attempt from this company to collect money from me. However, it keeps reappearing and disappearing from my report. Causing serious credit damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great American finance was opened on XX/XX/XXXX, and closed in XXXX. They are reporting late payments for XXXX and XX/XX/XXXX. It says on my credit report that the account is open. Which is false information. This account has been closed for 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I don't have an idea about that report. The BANKRUPTCY don't belong to me.
Product: Mortgage

On XX/XX/, I paid {$6500.00} toward my mortgage with Wells Fargo. This is way above the minimum required payment, which is {$1400.00}. 

According to the web portal, Wells Fargo applied the following amounts to my mortgage -- Escrow : {$600.00} Interest : {$140.00} Principal : {$690.00} Additional Principal : {$3600.00} The above amounts do not add up to {$6500.00}. {$1400.00} is missing, coincidentally, the same amount as my minimum payment. 

I called Wells Fargo customer service. They explained that their systems applied the additional {$1400.00} to my XXXX XXXX, XXXX  payment. 

Frist, I complained that this should not happen - all additional amount should be applied to principal immediately so I am paying less interest going forward. The agent said they would work with the system to adjust the payment amounts and apply the extra to the principal as requested. 

Second, I complained that the incorrect payment logic has happened before, and I have reported this problem before, too. This should not have happened again. The agent said they were making some note on my account to fix this issue, but I am not confident in the fix. 

Finally, I complained that the company should clearly list payment applications in the web portal. Thankfully, the statement itself was correct after I reviewed the statement later. The web portal and statement should align. Even if the web portal doesn't report all the same detail, it should not make it seem like money vanishes.
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unveriable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidenceto furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Accounts below : 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
Product: Debt collection

Ive been disputing an item on my collections for a few months now. Valor Intelligent Process has been reporting an inaccurate item on my credit report that shouldnt even be in collections as Ive been making payments to the actual creditor ( XXXX ). Not only is the account not in collections standings, the amount theyre alleging I owe does not reflect the amount with XXXX XXXX. The debt with XXXX itself was accrued after I moved out of my apartment and called to cancel service that was never cancelled in the first place. Now Im asked to make payments for months of service I never used. 
I can not make payments to the original creditor and simultaneously make payments to the collection agency. I never received any sort of correspondence from Valor, only XXXX and then one day this collections company generated on my credit report. I am now worried that if I finish paying my debt with XXXX, I will still be left with a debt to pay with this third party collections agency. This issue is causing me a lot of anxiety and it is also ruining my credit. If Im making payments directly to the company with whom Im in business, there should not be a third party company reporting me for a completely separate amount simultaneously. Its like Im being penalized twice. At this point Im working with an attorney and will be suing if this matter is not resolved.
Product: Checking or savings account

On or about XX/XX/year>, I could be wrong maybe it was XXXX. I cashed a check for my friend which was a Wells Fargo check the same bank I was a customer with before XX/XX/year>. When I didn't receive my paycheck, I called to see what the problem was. They connected me over too lost prevention I spoke with someone there that told me I cashed the check for XXXX twice the first time was on the XXXX of the months than on the XXXX that's why I didn't get my paycheck because they took it and paid the cashier check that I was supposedly cashed twice the first time I deposit the cashier check and it cleared instantly. The second time the lady explained to me the check was deposited at another bank which the other bank had called them to verify the check they had confirmed that the check was cashed, and funds was issued. I asked why I was paying the money back they said because I cashed the check first which don't make any sense to me I mention early the lady confirmed that another bank called weeks later to confirm the check and they told the other bank that the check was cashed, so I am sure Wells Fargo got any money back if the check was paid which I doubt it. Even after all that was said they didn't return my money close the account left me with an outstanding balance. Wait this get deeper my friend I cashed the check for XXXX XXXXXXXX had a bad run in with them the check she was cashing was a Wells Fargo from when they wrongfully closed her account 4 years back. That still don't have anythinnnng to do with me. Can someone help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute stating debt from XXXX XXXX. was no longer my liability. Equifax did not contact XXXX XXXX to verify this. They just stated that it was my account and closed the investigation.
Product: Credit card

On XX/XX/2024, I contacted the customer service of my credit card company, Bank of America, to request the closure of my credit card account. Despite this request, I discovered on XX/XX/2024, that not only had the account not been closed as requested, but an annual fee had been charged to the account. Additionally, due to this unauthorized annual fee, I have also been charged a late payment fee, and a late payment has been recorded by the credit reporting bureaus. 

Specific actions and amounts involved are as follows : XX/XX/2024 : Called to request account closure before the annual fee posting date. 
The customer service asks me to pay rest of fee ( XXXX ) and leave all annual fee related fee to be waived. 
XX/XX/2024 : Noticed the account was still active with the following unauthorized charges ( XXXX ) : a. Annual Fee : Charged for the year 2024. 
b. Late Payment Fee : Incurred due to the non-payment of the unauthorized annual fee. 
c. Interest Charges : Accrued on the unpaid annual fee. 
These charges were in error as the account was supposed to be closed per my request on XX/XX/2024. Furthermore, the late payment reporting has negatively impacted my credit history, which is a direct result of the companys failure to close my account as instructed.
Product: Mortgage

Because this company goes by 2 different names, I submitted a complaint for both XXXX and Lakeview Loan Servicing , LLC. 

Our homeowner 's insurance policy had not been paid by our mortgage lender, XXXX. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was put on hold for total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 12 days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from XXXX. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. XXXX also stated we may get billed for them having to do an overnight payment. I even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is XXXX. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. XXXX XXXX XXXX ( which also goes by Lakeview Loan Servicing LLC ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured.
Product: Checking or savings account

My husband passed away at age XXXX in XXXX from complications of XXXX. In XXXX I had an attorney place a court ordered two signature hold on all of our bank accounts to prevent him from doing something irrational with our retirement accounts. At the time this freeze was placed I was the beneficiary on all accounts. 
On XX/XX/XXXX my husband went to what was then Standard Bank and closed a $ XXXX CD because he was scared money may be lost due to the impending take over of Standard Bank by Dollar Bank. ( We had money in both banks at this time. ) The next day on XX/XX/XXXX, realizing he had made a mistake he went back to Standard bank and put the $ XXXX back into a 10 year CD. However he forgot to designate a beneficiary on this CD paperwork. My husband was soon XXXX  and passed away on XX/XX/XXXX. 
Dollar Bank acquired Standard Bank in XX/XX/XXXX. Dollar Banks manager and the legal department denied having any proof of the XX/XX/XXXX Standard Bank transactions done by my husband. These transactions should have been forbidden because of the court ordered two signature freeze at Standard Bank. Having spoken to a kind woman in Dollars IRA department she recently provided me with a copy of the CD my husband opened at Standard in XX/XX/XXXX. Dollar bank has refused to reinstate me as the beneficiary of the original CD despite my having proof of my original beneficiary status. They are demanding that is should go into an estate for my deceased husband. 
Additionally, despite having proof of my husbands death as well as the Short designating me as the executor, Dollar Bank has refused to unfreeze the original two signature hold I had my attorney place on the accounts when my husband was alive. My husband can not sign documents because he has died! Dollar has not allowed me to do the XXXX  on accounts totaling $ XXXX last year and this year leaving me with large IRS penalties. I have a total of ~ $ XXXX in accounts at low interest rates that I can not touch. I am losing money every day because I can not reinvest that money in higher yield accounts and I can not access the money to pay medical bills. I have had to borrow money. 
Dollar Bank has been uncooperative and hateful leaving me feeling powerless and penniless. I have had to borrow money to hire an attorney to get my own money from this Bank.
Product: Vehicle loan or lease

On XX/XX/2020 this account with Westlake Financial has been paid off and closed. I have tried to reach out to the company to have this mark removed from my credit report with no avail.