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

Experian, XXXX  and XXXX  are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told XXXX  as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told XXXX  then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told XXXX  that as of XXXX I had made no payments. ( See payment sheet and account details XXXX  XXXX ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see XXXX XXXX ) Then they told Experian  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see Experian 1 ) Then they told Experian that as of XX/XX/XXXX my balance was {$440.00} ( see Experian 2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told Experian as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See Experian Current ) Then they told Experian that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See Experian 4 ), They have told so many different versions nothing they say should be deemed as credible. Experian, XXXX  and XXXX  knows this information. I supplied Experian, XXXX  and XXXX  with copies of all the attached documents a few weeks ago. They told XXXX  as of XX/XX/XXXX my balance was {$440.00} yet they told Experian that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told XXXX  that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 XXXX  ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/
Product: Debt collection

MY IDENTITY WAS STOLEN FROM XXXX  XXXX XXXX .EVEN AFTER I REPORTED THE FRAUD XXXX  XXXX XXXX ALLOWED THE TIEVES TO CONTINUE USE THE ACCOUT. 
DESPITE NUMEROUS COMMUNICATIONS XXXX  XXXX XXXX  DID NOT RESOLVE THE ISSUE AND SOLD THE ACCOUNT TO A CREDIT COLLECTION AGENCY WITHOUT NOTIFYING ME. 
THE NEW COLLECTION AGENCY, RESURGENT CAPITAL SERVICE / LVNN FUNDING NEVER COMMUNICATED WITH ME AND I FIND OUT BECAUSE I WAS DECLINED BY A LENDER ON THE BASIC OF NEW NEGATIVE INFORMATION REPORTED BY LVNN FUNDING / RESURGENT CAPITAL SERVICES. 
I WANT THIS COMPANY TO STOP REPORTING NEGATIVE INFORMATION BECAUSE THEY ARE COLLECTING A DEBT THAT IS NOT MIND AND ONE THAT WAS CREATED BY FRAUDULENT ACTIVITIES.
Product: Checking or savings account

XX/XX/year> - I authorize a withdrawal to an external bank account. This is approved and the withdrawal is completed. 

XX/XX/year> XXXX XXXX - XXXX XXXX email of " XXXX required : Additional information is needed ''. My assets to this account are frozen, and I can no longer make withdrawals ( whether via transfers, payments, etc. ). I am still able to receive direct deposit and earn interest. 

XX/XX/year> - I call XXXX in reply to the above email. XXXX representative says they are unable to verify me via the phone number listed in my account. However, I am still able to log into my account via XXXX using the same number. The representative says they will log the issue, and I will receive an email with next steps. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity, and will send an email with next steps. 

XX/XX/year> XXXX XXXX - XXXX XXXX email of " XXXX required : Additional information is needed ''. My assets to this account are still frozen. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity, and will send an email with next steps. I speak with a representative, XXXX, who I retrieve the following case number from : Case # XXXX XX/XX/year> XXXX XXXX - XXXX XXXX email of " Action required : Additional information is needed ''. My assets to this account are still frozen. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity. I record the case number, which has changed as the following : Case # XXXX I also am given a complaint number filing as follows : Complaint # XXXX Throughout these
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont no recognize inquires from XXXX XXXX  on XX/XX/21. This is not mine
Product: Mortgage

In XXXX of 2022 my loan was sold to a company called " The Money Source '' by XXXX XXXX. I requested to have PMI removed from my account from XXXX XXXX  prior to this transfer, which occurred without my knowledge or approval, and The Money Source did not have information regarding my request and when they indicated they would start a new request in XXXX. I then called again on XX/XX/2022 only to be informed they did not complete the request completely and did not send the appropriate letter to me so I could then request an appraisal. I was informed on XX/XX/XXXX this would be remedied and I should watch for a letter. 

It is now XX/XX/XXXX, and I spoke with The Money Source today, who indicated they had NOT sent the letter yet again. I was on hold for over 60 minutes and spend over 60 minutes in each of these phone calls, I spoke to a supervisor who indicated they would " escalate '' my concern but they would not be able to guarantee any response in a timely manner.
Product: Vehicle loan or lease

This company has overcharged the value of the car. Credit Acceptance has made it impossible for anyone to pay the loan back. This company knew my situation when I first purchased my vehicle with them. The vehicle died off in the first XXXX days of having it. So I ended up writing a Better Business Bureau report because Credit Acceptance would not let me out of loan or trade vehicle. I got some great feedback after writing BBB.ORG. Credit Acceptance and The car dealership decided to trade me into another vehicle. Sadly that vehicle engine went out less than XXXX  months after purchase. So I was given another bad vehicle. Credit Acceptance refused to work with me regarding repairs and car payments. I purchased the extended warranty to cover things like this. I had to do another BBB Report for them to get the engine repaired. However, it took them XXXX XXXX  months for the engine to be repaired. So I was out of a car the entire time. I was paying for car rentals which made it impossible to keep up with car payments, I needed transportation for work and also my family. So I lost wages all around and I express that to Credit Acceptance. I ask for the payments to be paused until they can hold the end of their deal with the repairs. During this time the pandemic was happening also. All that being said I just discovered my credit report. Credit Acceptance has reported me to all credit bureaus. Reports of late payments and nonpayments every XXXX weeks. Since XX/XX/XXXX XXXX XXXX XXXX  years of fees and bad credit reporting. I have been on a promised agreement plan with them since that time frame as well. The car payment loan is XXXX a month. I have been paying different amounts to catch up with payments from large to small. I started paying XXXX twice a month since XXXX. Honestly wasn't supposed to have a past due balance due to the issue with the vehicle and lost wages due to not having a vehicle and losing income because I couldn't get to work. I have been overcharged for the vehicle price I am charged XXXX for a XXXX XXXX XXXX. The asking price wasn't this amount. The price also on the credit report is XXXX which has already been paid off. However, they asking for XXXX on their website. Another reason for the payments being behind is due to the car having multiple stolen car attempts. This Brand car ( XXXX ) crime rate is extremely high. This has happened XXXX times in XXXX year. This has caused my car insurance to rise because of claims. Also caused me other expenses such as car insurance deductible, car rental fees, XXXX XXXX, and garage fees. I just want this issue taken care of and cleared off my credit report. I just want this car label paid in full because it already has been overcharged and I lost more than the asking price.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further  notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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

Regions bank Overdraft fee XX/XX/year> Overdraft fee XX/XX/year> Overdraft fee XX/XX/year> I have politely requested and told them my bank my financial situation, they can no longer wave by overdraft fees from my bank account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email alert from US Bank to notify me that the USPS had initiated an address change with their company. The alert contained the following message. " If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX. US BANKS ( XXXX ). '' Since I did not initiate this action, I called US Bank at the number provided. No account numbers were included in the email. I have multiple accounts with US Bank. The CS person at US Bank gave me the ridiculous excuse that they had written a new program within the bank, and that every account holder with their bank had received the same notice. Another person said that my accounts had been compromised and sent me new credit card numbers and cards for my accounts. Another person said that the USPS is always changing the last four digits of my Zip Code, and this is probably what happened. I asked the US Bank CS person what that change was, and he said he could not give me that information. He said the bank does not always know what the address change is, but it is changed. According to the Postmaster, XXXX, at XXXX USPS ( the branch office handling my mail ), XX/XX/XXXXSince I can view all alerts issued for my accounts, I checked the alert history. An address change alert had NOT t been issued for my account. On XX/XX/XXXX I received an informed delivery email from USPS indicating that I could expect to receive a piece of first class mail from US Bank. That mail again was a notice that the USPS had notified US BANK that there was a change in my address.The first class postcard contained this message. " If you did not initiate a change with the USPS, please contact us immediately at XXXX ( XXXX ) for consumer accounts ... '' I have not moved, nor have I initiated a change of address notification with USPS. I have previously in XX/XX/XXXX been a victim of identity theft. It is very distressing to be repeatedly notified by MY BANK that USPS is changing my address, when USPS denies that they have done so. There is a piece of mail today XXXX/XXXX/XXXX that I should have received from USPS that is from US BANK. Unfortunately my mail carrier gave that mail to another resident of XXXX, IN, and I do not know who now has further information about my accounts.
Product: Payday loan, title loan, or personal loan

I have a loan with Lending Club and have done business with them for years. I just purchased a home, and called to defer my payment to the XXXX of the month ( XXXX ) ; instead of the regular payment XX/XX/XXXX. XX/XX/XXXX, they took the payment out of my Account even though I set up the deferment. I called XX/XX/XXXX, the date the funds were taken out, and inquired why they took the funds out, and they indicated it was an error. The rep promised it would be put back in 2-4 business days, and to keep checking my account. Everyday since, I have checked my account and I have called for the funds to be returned and each rep give a different answer ; one stated it takes up to seven days. Today the rep stated it was just initiated today and it too should take up to 2- 4 more days. The fact, they keep being untruthful about returning the funds to my account is really perturbing. It has been a big inconvenience, because I set-up my business according to the arrangement I made with the Lending Club. I tried to speak with a supervisor, I am kept on hold for a very very long time - over 30 minutes, I finally hung up. There is no one to escalate issues to, as the corporate also provide the same number. I just wanted my money back into my account and for them to honor the agreement. This is truly a bad experience.
Product: Credit card

Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ XXXX for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane that companies do n't realize that people 's time is valuable and this is something that could and should have easily been resolved by sending them a quick note/email online and being done with it ...
Product: Payday loan, title loan, or personal loan

Hi, I had a personal loan from Marcus ( Goldman sachs ) that I obtained earlier this year. I wanted to pay the full amount but wasn't able to do so due to limitation on the app. I was asked to give a call but couldn't reach anyone due to long wait times. Even the recommended amount upto {$2000.00} didn't work and always got issued. I feel like the company has made it difficult to pay the full amount earlier which is a part of the loan marketing tool that no pre-payment penalty. I think the functionality of the application is an integral piece as each day passes the company makes money off the high interest charged. Furthermore, hard to reach out the company is also a tactic to delay the customer to pay which in turns helps the company make more money. I understand the latter can be an issue during covid-19 but then again they should have other tools to help pay back on time. I want Marcus to take this seriously as a lot of people might not have the patience to pay the amount during multiple days and rely on application functionality, which is used for marketing at the first place too on a high interest rate loan. Everyday delay is material to the client if it's not to you.
Product: Credit reporting or other personal consumer reports

XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXXXXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.
Product: Credit card or prepaid card

My Capitol One card was stolen and an unknown person used it. I reported the charges to Capitol One and they sent me a new card. They credited the interest charges only and have not credited the transactions. This is harming my credit. I was a victim. The charges caused my credit to suffer and now I am waiting to apply for employment but can not because of my credit score being low when it was not before the fraud. By their own policy I am not responsible. Why aren't they crediting my card to reflect the true balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed through XXXX paid the vehicle off XX/XX/21 before the contract was up. On my credit report it is showing the loan was charged off under XXXX states the account is showing paid by consumer and not charged off. I have disputed the error but it still remains the same
Product: Checking or savings account

On XX/XX/year> I opened a new checking account with Wells Fargo. This account was for a {$300.00} dollar Bonus. I needed to have a total of {$1000.00} or more in qualifying electronic deposits within the first 90 days of opening the account. 

The way I opened the account was by " searching '' for Wells Fargo Checking account bonus. The search took me straight to the Wells Fargo page which had this heading : " Get a {$300.00} new checking customer bonus. * '' I proceeded by clicking the " open online '' button. ( Underneath this button there was the following sentence " Your bonus offer code will be automatically applied to your Everyday Checking account when you complete your online application from this offer webpage. '' ) This button took me to another Wells Fargo page where I could just sign on since I have a Wells Fargo account due to owning several WF credit cards. 

On XX/XX/year> I called Wells Fargo Customer Service representative since it had been well over 3 months and the criteria for receiving the bonus was definitely met but I hadn't received the bonus. The representative asked me for the " bonus offer code '' which I let her know I didn't have XXXX since I searched for the offer and then applied in the manner described in the aforementioned paragraph. She said without the offer code she couldn't do anything and that is why I hadn't received the bonus because I failed to submit the application with the offer. I explained several times you can apply with the link and don't need the code. She then placed me on a long hold and finally said she would submit a request for an investigation. 

I received the letter with the result of the " investigation '' and it said the reason for not receiving the bonus was because another bonus had been claimed. The fine print of the offer states : " You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. 

You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 

You are a Wells Fargo employee. '' Which none of these apply to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC recorded late payments to the three credit reporting bureaus for a credit card I have with HSBC. I rarely use this card, whose last four digits are XXXX. The dates of the two late payment notices that I am aware of are for XX/XX/XXXX, and XX/XX/XXXX. The two charges involved were a {$5.00} airport kiosk charge in XX/XX/XXXX, and a {$100.00} XXXX XXXX XXXX donation in early XX/XX/XXXX that was refunded to me when the XXXX XXXX XXXX  participant did not reach her goal. I never received a paper statement or paper bill showing any amounts due for these two charges. Then in XX/XX/XXXX, I received a paper bill, showing overdue amounts, including late payment charges. I called HSBC and they said that they sent me electronic billing ( via email ) because I had signed up for electronic billing. I never saw any such electronic bill. Since I NEVER SIGNED UP FOR ELECTRONIC BILLING AND ALWAYS RELY ON PAPER BILLS, I was not looking to receive any electronic bill. After some negotiations and speaking with an HSBC supervisor at the HSBC collection department, HSBC agreed to remove the late charges, and remove the late payment notices from my credit reports. Although the late charges were removed, the late payment notations on my credit reports for XX/XX/XXXX and XX/XX/XXXX were never removed. I called HSBC customer service department and they said I owed them {$5.00} from XX/XX/XXXX. I paid the {$5.00}. However, HSBC still refused to remove the unwarranted late payment entries from my credit reports, thus damaging my credit rating which was over XXXX and is now under XXXX. Again, HSBC 's claim that I signed up for electronic billing is false -- I NEVER SIGNED UP FOR ELECTRONIC BILLING and never received any paper statements regarding the two charges discussed above, which is why I didn't make any payments. Thus, in all fairness, the HSBC late payment entries should be removed from my credit reports ASAP.