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

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, EXPERIAN is now knowingly in violation of the FCRA and is not taking steps to correct that violation. they CONTUINE TO Violate MY PRIVACY ADN REPORT INCCAURATE INFORMATION ON MY CONSUMER REPORT I have attempted multiple times to have EXPERIAN reverse the erroneous delinquency filing and they have refused to do so on each occasion. They never sent me proof of validation and continue to report and share incorrect information defaming my charter and causing emotional stress
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 Discover placed an inquiry on my XXXX XXXX Credit report. I did not authorize Discover to get access to my credit report.
Product: Credit card

Apple Card Goldman Sachs opened an unauthorized account under my name. I sent over the ID THEFT Report and police report and they still continue to reporting this fraud account to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my report that'd I'd like to have removed, I've tried calling to get this resolved on XX/XX/XXXX to get these fraudulent inquiries removed the rep by the name of XXXX ( this is on a recorded call ) refused to dispute or remove these inquiries as she states they are valid although they can't provide proof that I authorized or signed for these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT )
Product: Credit reporting or other personal consumer reports

This debt is a charge off, However this is actually considered as income. I did not receive a 1099C in order for this to account as income. This is not a charge off. I am requesting for the American Express accounts to be removed. This is not a debt this is considered income and should not be reported on my credit report.
Product: Checking or savings account

On XX/XX/XXXX  I opened an Ally bank account, one of there HYSA account just one. I did this because I had a large amount of money in my XXXX XXXX account received from a selling my personal home. It was more than the FDIC protection so I felt it was best to transfer the excess to another bank. I called ally prior to the XXXX and spoke to an rep about my situation and they told me how to open an account. After, I opened the account I initially transferred small amounts to Ally to make sure there would not be any issues, but eventually I ended up transferring over XXXX. I had been with my other banks XXXX XXXX for over 15 years without any issues and I've transferred funds without any issues in the past. So I wasn't expecting any issues here. Anyways today XX/XX/XXXX  I get an email from Ally stating that my bank pin had been changed. I assume they meant my bank password but the email said bank pin and that they cancelled access to my account. I still had two pending transactions into the account from other personal banks. I called into Ally to find out what is going on. I spoke to the first representative who said that my account is still in tact and she doesn't see any fraudulent activities. Then she transferred me to another account representative in fraud department. This particular representative went through a series of verifications and then she let me know that my account is " under review ''. I asked her about fraudulent access, she says there was not any fraudulent activity. Then I asked why was I sent a email saying a pin was changed she said she's not sure. She thinks it was just sent to me to prompt me to call in but she doesn't see any changes. She said she will submit the information she collected from me to the review team and I should wait to hear back. In the meantime I'm not able to access such a large sum of money. I've only been with this bank for 2 months and I've immediately experienced something that in 10-15 years in banking with XXXX or XXXX I've never experienced. I became even more nervous when I read about other customer experiencing the same thing. I'm extremely worried about my funds and need more clarity.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I am natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be be remove because According to 15 USC 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred. 

This is a factual error. 

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate. 

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact. 

Discrepancies like this are unacceptable ; I have the right to an accurate credit report. 

And this is unacceptable. 

Please remove this account from my credit report. As soon as possible. Thank you.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXXXXXX XXXX XXXX XXXX  XXXX {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( 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 card or prepaid card

On Monday, XX/XX/19, before XXXX XXXX, I returned items to my local XXXX   store and a credit of {$100.00} was made to my American Express Serve card. I then monitored the card online for the refund. On Wednesday, XX/XX/19, under " Active Transactions '', the return was listed as " Merchant - Credit Hold for Review - We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. '' I've had the Serve card for years, and NEVER saw this before. On XX/XX/19, at XXXX XXXX, I called the number on the back of my Serve card. The in-call volume on my cell phone was as high as it could go, and I still had a difficult time hearing, between the volume and the accents, the two customer service reps with whom I ended up speaking. It seemed deliberate, how quietly they were speaking and the vague information they gave me. I informed the first customer service rep that I was XXXX, and had no money and no food, would he please release my refund? When he responded that he didn't have the authority to do so, I requested to speak with a supervisor. I advised the supervisor what I'd already told the first customer service rep ( XXXX, no money, no food ) ; when she refused, I advised her I would be filing this complaint, along with a review I posted on XXXX ( mine is the very first one currently posted ). Please note that when I went to post my review on XXXX, there were many, many 1 star negative reviews, all from the same week.
Product: Credit reporting or other personal consumer reports

I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

XXXX XXXX XXXXXXXX XXXX XXXX  actually owes me money, yet they place negative information to TransUnion, XXXX & XXXX as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX
Product: Debt collection

Received a collection letter. After googling the name of the company that claims that I owe them for medical services, it appears this company is located in Fl, which I 've never been to. In addition, it appears they 're a XXXX office, I do not have children. On XX/XX/XXXX I replied to their XXXX requesting information on the services im being charged for including date and place. On XX/XX/XXXX I received a 2nd letter, which is the same as the 1st one. On XX/XX/XXXX, I called the XXXX and in order to verified the acct or provide any info they requested my ss # and birthdate information which I refused to provide. I spoke to a rep name XXXX. I checked my credit report with all XXXX bureaus, and it shows XXXX collections. Please investigate, as I am 100 % sure this is just a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Equifax fix an error on my report over 10 times via phone and online. The company refuses to update the incorrect information because they claim they can not and the outsourced representatives do not know how to. My consumer statement is still wrong and has the wrong phone number which prevents me from passing identity verification because Equifax will not remove it nor update it. The company has also added back two accounts from XXXX ( XXXX and XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX which were investigated, disputed, and removed over a year ago as a form of retaliation because I have placed complaints on the company. I am unable to look at past disputes which prove this behavior that is being conducted because Equifax blocks me from viewing past disputes over 10 days ago. Equifax will not cease these violations and has been sued for this behavior yet continues to practice the same violations after being made aware. Also, the company continues to supply generic customer service responses to complaints claiming it has rectified the issues but that is false. The incorrect information, lack of customer service, and retaliation tactics are preventing me from obtaining credit. It hard to get proper assistance because the representatives are outsourced and do not fully understand the assistance you need nor do they care. I am still unable to reach Equifax by phone to resolve this because I can not verify myself through the automated phone system because my personal information is incorrect and they wont fix it after six months.
Product: Debt collection

They call several times a day and there is no one on the line. They call before XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : items in dispute : XXXXXXXX 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation student loans not mine U S DEPT OF XXXX U S DEPT OF ED/XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA Violation inquiries not 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 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: Checking or savings account

On XX/XX/ I received a letter from CITI BANK by mail informing me that my account would be canceled five days after XX/XX/XXXX So I called the CITI XXXX line by phone to coordinate the closing of my account and the transfer of my balance, in the call they gave me a reference number : XXXX and they asked me to send an email to the XXXX On XX/XX/XXXX I wrote an email to CITI informing them that I had received their notification to close my checking account and send them a copy of the letter, a " Wire Transfer Request '' format that came in the letter, a copy of my account statement in XXXX, and a copy of my account statement of the CITI account with my current balance. 

On XX/XX/XXXX I received an email from CITI telling me to call the customer service center again to have my check sent to my address in XXXX, TX. 

The same XX/XX/XXXX I received a second email where they inform me that they will do what is necessary to send the check to my house in XXXX, Tx. 

The same XX/XX/XXXX I received an email from a XXXX XXXX, XXXX where he informs me that the process to debit my balance and make the check takes 2 business days and send it to the address I had previously given. 

After this last mentioned communication, I have not received any other answer and I have not received my check with my balance. 

For the last day of XX/XX/XXXX, almost 22 days later I wrote again to ask for an update of the status because they have not answered me the last email that I sent them.
Product: Money transfer, virtual currency, or money service

I sent money from my account at XXXX to my account at Wells Fargo. XXXX sent a physical check to Wells Fargo. Money was deposited in another account. On the back of the check there is information about it. I went to your branch of Wells Fargo ( XXXX ) and tried to explain that situation. They did not want to listen to me and sent me to XXXX. I went to XXXX. They did some research and said : the money was sent in the true way. On the back of the check there is printed information about how and where my money was deposited. So, I need to go to Wells Fargo, to show them that check and ask them to fix that issue. I came back to Wells Fargo and again showed that check and repeated what I got from XXXX. They again sent me to XXXX and refused to take a look at the information on the check. 

They refused to work with that problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage payment was due on XX/XX/2016, to Ocwen Loan Servicing LLC. Ocwen has designated XXXX XXXX XXXX as a means to make payments directly from Ocwen 's website. XXXX or Ocwen charges a {$10.00} fee which Ocwen collects. On XX/XX/2016, I went to the Ocwen website, clicked the tab to make a payment, and XXXX XXXX XXXX popped up and I made the pay due. I was given an email confirmation of the amount paid, the {$10.00} fee charged and that it would be posted on that day XX/XX/2016. I have this email. Aparantly, the payment did not post that day, despite the email confirmation stating it would be posted the day of payment. Ocwen then reported me as 30 days late to all three major credit bureaus and refuses to take any corrective action. Perhaps Ocwen should not be telling customers that the payment posts the same day as payment is made through it's XXXX XXXX link. I believe this should be removed from my credit report, but Ocwen won't budge.
Product: Vehicle loan or lease

I finance my new RV for {$16000.00} for 12 years with and interest rate of 6.75 % from bank of the west. I enroll in automatic payments of {$300.00} a month, with the first payment on XX/XX/2019. The bank has modified my payment to every other month to maintain the loan term. I have paid {$340.00} in interest this year alone. My goal was to pay the loan off quicker and to reduce the interest. The bank refuse to give me a amortization schedule for the loan and also refuse to give me access the a statements.The banks website makes it impossible to pay more than the minimum due automatically.
Product: Debt collection

XX/XX/24 WestLake Financial called 7 times in one day all calls were within less than one hour of each other. They called only once on Saturday and Sunday. During the week the calls range from XXXX  at the minimum to XXXX  and they call twice within an hour from a different XXXX XXXX number.
Product: Mortgage

I bought a house in XXXX XXXX in XXXX This house was bought under the l124. law.The agreement was we have to live at the house 5 years to avoid penalties for. We live the house for 9 years and then I transferred to XXXX  due the XXXX base closure in XXXX XXXX. I continued to pay the house. Now the bank ( Popular Mortgage ) and the XXXX XXXX XXXX XXXX ( housing ) are charging me a panalty of {$14000.00} I provided paperwork with my transfer date on XXXX, copy of the water bills on XXXX, I couldn't provide de electric bill because they don't have records on my name. I been fighting with them for months and the penal still shows in my statement. 
The Bank is Popular Mortgage and the loan number is : XXXX House is located at : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX I need to gets this sort out,? I don't why is being so difficult, I'm trying to pay off the balance {$26000.00} aprox Thank you
Product: Vehicle loan or lease

American credit acceptance has violated the Truth in Lending act, title 15 USC 1601. They failed to provide an accurate depictions of all financing terms and charges prior to solidifying loan.

Under TILA, lenders must clearly disclose loan terms, including : - Interest rate & APR - Total amount financed - Total loan cost with interest - Payment schedule & late payment fees- Any prepayment penalties If a lender fails to provide a written breakdown of these disclosures before the loan agreement is signed, this is a TILA violation. This information was not disclosed to me. When I contacted the lender, I was threatened with repossession of my vehicle even though they were in violation.

They are also in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. American credit acceptance has reported my loan as a charge off which has negatively impacted my credit
Product: Credit card or prepaid card

In XX/XX/XXXX I hired a XXXX XXXX XXXX  from XXXX, NJ to perform work in my basement, with an install date of XX/XX/XXXX. The company failed to complete the job and left the worksite in progress. After 5 weeks of work, of which the job was originally a 1-2 day estimate, the job remained incomplete. On XX/XX/XXXX XXXX XXXX XXXX  then charged my VISA credit card for {$5900.00}, which was the price to be paid upon completion of the job per the contract we agreed to ( attached ), however the job was not complete and authorization to charge was not provided. The company had my VISA information from the initial 10 % down payment that occured months prior in XX/XX/XXXX. On XX/XX/XXXX I filed a dispute on the charge with my financial institution, Navy Federal Credit Union, however refusing to refund the unauthorized transaction.
Product: Credit card or prepaid card

i went to my bank and borrowed money to pay off a credit card from synchrony bank i have two cards through them called on one card because i believe i over paid so they sent me a check back from the other XXXX with the wrong amount XXXX $ wrong amount. this card was paid off and now i still owe, and have not cashed the check they sent me, but they still increased the account to the full amount plus the XXXX