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

My credit Reports with Experian, XXXX, and XXXX all have credit inquiries that I did not authorize Inquires are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bank XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express is a debt collector and they are breaking the law. Every month I get an envelope with their logo on it. Claiming to be a statement but in actuality, it is a bill. They have broken the law more times than I can count and each time is a violation and is causing me mental distress. Pursuant to 15 U.S. Code 1692f ( 8 ) : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Student loan

I began protesting the fraudulent behavior of   XXXX   a bout 6 months before grauation due to the extremely poor education, materials and teachers we were experiencing. Finding out that our credits were not transferable and the school was not accredited cost me my company paying for the education. I could not transfer credits and I did not want to start all over again some where else. I kept trying to cram 2 to 3 years of subject matter being learned into 8 weeks while working a full time job was too much. The president at the time was   XXXX   he offered a   XXXX   XXXX   break for educatuon wich we filled out forms for those who continue from   XXXX   XXXX   XXXX   XXXX   and when I went to sign up for my first term they had no knowlege of any papers. I dont have all my papers any more do to a storage unit Nightmare but I still need help I have the 50 billion phone calls I receive from so many different people who call me daily but Im sure it can be supported somehow.
Product: Vehicle loan or lease

During my loan from XXXX to XXXX my payments were not taken off the final balance amount. There are two very large fees that they added to my bill that they would not tell me what they were for. At the end of my time having the vehicle the vehicle caught fire with me driving it. It was not deemed totaled but it was too expensive for me to fix and it did not run at the time. I tried to turn the vehicle over to them and they made me wait months for them to pick it up to be auctioned. They sent the price of what it would sell for at auction before it was even picked up from my property. The amount was for {$4700.00}. However when I looked up the VIN number on that vehicle it actually sold for {$9900.00}. The total of the vehicle was {$11000.00} with interest the total became {$13000.00}. I paid a total of {$4900.00}. The fees that they would not disclose to me total {$1300.00}. My calculation is that I only owed the finance company of Westlake Financial {$8600.00} not including the fees that they would not disclose to me the purpose of and with the true amount of the auction price I should not owe them anything or at the very least much less than the {$9200.00} that they have been reporting to my credit this whole time. I have already reached out to the Ohio Attorneys General Office about this issue. The OAGO has deemed this particular finance comany as " predatory ''. I have every document they have given to me along with the screen shots about what I found out by looking up the VIN number. The OAGO has reached out to them to try to settle on what I provided and they have refused. I have contacted them about this as well and was sreamed at by the person that was on the line and talked over the whole time.
Product: Credit reporting or other personal consumer reports

This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my XXXX  reports with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Mortgage

Persons at 5th 3rd bank have threatened me with bodily harm is I continue to try and back with them. This was recorded by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I requested that Experian update my student loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to Experian and that it is Experian that is refusing to update the information. Experian keeps sending me an old balance from XXXX of 2023, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, and JPMCB CARD XXXX
Product: Mortgage

I was working with AmeriSave with on a refinance, and after reading your report of XX/XX/2014 they are doing the same thing. They intentionally mislead me on every step of the process -low interest rate, closing fees, which changed during the process. I had to pay up front {$500.00} just to move forward with the process, they assured me that this would be a quick, and that I had plenty of equity in my house,, and that I had nothing to worry about. I started the process around XX/XX/XXXX and went back and forth with them until the loan was about to close on XX/XX/XXXX. I spoke with them several times ( every time I was sent new disclosure documents ) because I couldn't see how the numbers were adding up and how it would benefit my current mortgage amount. They assured me that I would be saving more than {$300.00} a month on my new mortgage, plus being able to write off the amount I spent in points on my taxes, skip a few payment ( they really dangled the carrot ), well when I got my final closing documents it was revealed ( only after I crunched more numbers ) less than a savings of {$27.00} dollars a month and would cost me over {$8000.00} in closing fees. The last phone call I had with them on the XX/XX/XXXX the lender agreed with me and said they missed looking at my initial mortgage amount and that YES this refinance doesn't make sense. I'm demanding that they refund my {$500.00}. This is just a brief description of what happened.
Product: Payday loan, title loan, or personal loan

I borrowed {$4800.00} in 2019 and to date have paid back {$6800.00} and the company still has me owing {$5500.00} and refuse to work with me to settle the debt. This is predatory lending. 200 % interest must be illegal. However, the loan is paid off. Under their terms I will never pay it off. Please help me!
Product: Checking or savings account

" The company continues to not provide access to my accounts and accounts have been in the negative and many of my friends and family, and people in the community are having issues and Vystar credit union continues to doing nothing. This has reached the media and nothing is being done. My wife and my direct deposit is not even being received and we have bills to pay.
Product: Credit reporting or other personal consumer reports

There was an erroneous debt from XXXX on my report that has been removed from all credit bureaus except TransUnion. I have offered emailed correspondence stating this was never a valid debt and provided a debt cancellation letter. The creditor originally sent letter back in XXXX advising cancellation needed. The other credit bureaus removed with no issue yet TransUnion refuses. I have filed a dispute 3 times and still no one has removed it and the creditor stated they have already made contact. Customer service is absolutely no help. I am convinced this is pure laziness.
Product: Checking or savings account

I had isses to access to my bank account. I change my phone XXXX XXXX weeks ago. they up date on the phone but no on them platform : it mean I am able to process operation through the mobile phone but no website or app. 

It doesn't make sense beacuse every time I login to the webpage ask " one-time " code to send the my phone but it's the old number. 

Repetely I kindly ask to change the security code to send by email because it's my right access to MY ACCOUNT WITH MY MONEY!! apparenly the bank doesn't care.

Biside they ignore my email and I have been in branch too. Now I am in XXXX I need the money and it's higlhy urgent and I don't the bank protocol, what I care it's my money!!! Unacceptable! I've been battling to gain access to my own bank account, all because of your outdated and inefficient system. I changed my phone number XXXX weeks ago, which you managed to update for mobile banking, but not for your website or app. This means I'm stuck, unable to perform any operations through the website or app. 

What's even more infuriating is that every time I attempt to log in to the webpage, it demands a " one-time '' code, which you insist on sending to my old number. It's like you're deliberately trying to prevent me from accessing my own account! 

I've repeatedly requested, in the most polite terms, that you change the security code delivery method to email. It's a simple request, and it's my right to access MY ACCOUNT, MY MONEY! But it seems like your bank couldn't care less about my situation. 

To add insult to injury, you've been ignoring my emails and I've even visited a branch in person, all to no avail. Now, I find myself stranded in XXXX, in urgent need of my money, and your bank 's bureaucratic red tape is the last thing I need. I don't care about your protocols or procedures ; all I care about is getting access to MY MONEY! This situation needs to be rectified immediately!
Product: Credit reporting or other personal consumer reports

My car company US Auto Sales breached my contract after my car was payed off, now I have another debit collector acting as if Im behind on payments for a car thats paid off and I still havent received my title.
Product: Debt collection

I have received repeated phone call voice mail messages from a " debt collector - CBE '' with a phone number of XXXX. They do not say who they are calling for. 

They ask us to call them back. When I do, I get no one, line busy, or message saying no one is available & hangs up or something. 

As far as I am aware, I do not owe anyone any money. I have not received any invoices from anyone, nor have I received anything from this CBE company by US mail. 

I believe this company, phone number, and messages they leave me to be some sort of scam company or that they have the wrong phone number. 

In your form, I had to state who this pertained to - myself or someone else, and since you did not have an " I don't know '' option there, I typed in my name & contact information, but this company has never left a person 's name that they are calling about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on XXXX  and Experian that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter
Product: Debt collection

Aldous XXXX XXXX, XXXX. Added a fraudulent collection to my credit report and I have never went to blink fitness
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Product: Checking or savings account

XXXX XXXX & XXXX XXXX ( estimator ) scammed or defraud e. They sent me a contract to perform a bath remodel. I paid a {$1100.00} deposit which was half of the job cost and then disappeared with my money. I contacted the fraud department at the bank but they refused to trace the check # XXXX or charge it back to the bank account it was deposited to. The only information I have on the company and estimator is Phone Number : XXXX Florida XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Filing Information Document Number : XXXX FEI/EIN Number : XXXX Principal Address & Mailing Address Registered Agent Name & Address XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX Authorized Person ( s ) Detail Name & Address Title MGR : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Co-Signer Account Request for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of an account appearing on my Experian credit report. The account in question lists me as a co-signer on a loan for which I never signed any documents or provided consent. This account is fraudulent and should be permanently deleted from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information on my credit report. It is the responsibility of Experian to investigate this matter and ensure that only accurate, substantiated information is reported.

1. Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate this matter promptly, as required by the FCRA, and remove this account from my credit report. If the creditor can not provide verifiable documentation with my actual signature proving my consent as a co-signer, this account must be deleted in compliance with the law. 

This fraudulent account has caused significant harm to my credit profile and financial standing. I expect written confirmation from Experian that this account has been removed following your investigation. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

In XXXX and XXXX of 2021,, I filed a dispute with this credit bureau about the unverified account XXXX XXXX SERVICES Account number XXXX and XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Vehicle loan or lease

Credit Accpetance some years ago around XXXX kept an insurance check that was made out to me and them, they told me to send the check to them and they would issue me a check from them for the insurance check amount with just my name on it. They told me to sign the check and send it to them, so I did. After some weeks I was calling about the check because I used the first check to repair part of the damages from my truck being stolen, the 2nd check was to finish the work that needed to be done - and get my payments current since I was delinquent at the time. I got a woman on the phone after some time and she told me the check was lost and they never got it- so I called XXXX to check on the status of the check and they told me it had already been cashed. So I called credit acceptance again to relay the information to them- for them to tell me that they cashed the check and applied it to the end of my loan and I would not be getting a check sent out to me as I was told - angry about being mislead and being strong armed about my delinquent status I asked why there was no payment posted or available for me to see that it was applied to my account anywhere and I was told it doesnt work that way. So I said okay since it not posted to the account yet, lets just apply it to my delinquent amount and use the rest to pay the future payments and I should be ahead on payments by a few months for a while, I was told again thats not how it works. So I said I no longer want the vehicle and someone could come pick it up because I wasnt going to pay a company that stole my insurance check and lost the funds and is refusing to work out a solution with me- to be told that was not an option and to look now in 2024 on my credit that I still owe 100 % of the loan.
Product: Credit reporting

I am a victim of identity theft. I have a identity theft marker on my credit reports. 

XXXX accounts which Equifax are reporting on " XXXX '' and " XXXX XXXX '' are result of identity theft and I demand Equifax stop reporting this information. 

I submitted a FTC ID theft affidavit and police report to XXXX over a year ago.. They responded to me a few months later saying that there is nothing they can do since they sold this account to XXXX XXXX XXXX. 

I called XXXX XXXX ( the debt buyer ) recently and explained the situation and the fact that I am a victim of ID theft. The XXXX XXXX rep says " In that case since you are a identity theft victim, I can offer you a one-time settlement 80 % discount ''. I refused to pay even with their large discount because I will not pay for someone else stealing my identity.. It was n't me..
Product: Credit card or prepaid card

Discover has a XXXX EST cutoff time for payments to post on an account on the same day. On XX/XX/2021 ( my due date ), I submitted my monthly payment at XXXX EST. Despite submitting my payment on the due date, I was charged a late fee because it was after XXXX EST. This policy and/or practice is unfair to credit card customers. Even if payments submitted after XXXX EST can not post on the same day, customers who submit payments between XXXX EST and XXXX EST should not be charged a late fee if submitted on the due date. I have several credit cards with other financial institutions and Discover is the only institution I know that has this policy and/or practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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

on XX/XX/20 I received an alert from Experian stating that someone has looked at my report a hard inquiry from some small business loan place. I do not own my own business i did not apply for a loan. I have tried contacting the number on the hard inquiry and they transferred to a line that hung up on me. I have tried calling experian and have gotten no where I do not want this on my credit report I did not apply for a loan and if someone is using my info its needs to be stopped before they open up any loans in my name or on my social can someone please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

this acct XXXX  XXXX XXXX has issued a status update that is out of the dispute process
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Kindly block and delete the account ( s ) within 4 business days as required by the FCRA 605B, 15 U.S.C 1681c-2. Please find the attached FTC report and other relevant documents.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : 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 And hard inquiries including : 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 am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Mortgage

Due to XXXX, we were put on a forbearance plan from XX/XX/XXXX - XX/XX/XXXX. Then it was extended until XX/XX/XXXX. Our hardship was resolved in XXXX, XXXX. We have been making our monthly payments, primarily in XXXX installments of {$620.00} and {$620.00} since XXXX, XXXX. We have applied for loss mitigation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have been trying to work out a solution. We have proven on our loss mitigation application that we can afford to make the current monthly payment of {$1200.00}. 
They indicated that we defaulted on a payment plan in XXXX. We made the trial payment plans back then, but got a bit behind later when my husband was not working. 
We feel that we were misguided during the forbearance process. I have called on many occasions to get clarification and guidance and was told to apply for loss mitigation.
Product: Checking or savings account

On XX/XX/2024 I received an email that XXXX tried to take money from my bank account. I called immediately and got my card cancelled. I thought everything was fine. Today, XX/XX/2024 I got another email that said my account was overdrawn {$300.00} because an authorized charge from XXXX was put through on my closed card. I called Wells Fargo immediately and was told they cant do anything until the resolution of the claim. Now I have to pay back money, that I clearly cant afford, to fix the overdraft that shouldnt never have happened in the first place since I called and reported fraud and closed my card out.