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

Ive reached out to XXXX and Equifax about this high impact inquiry on my credit report from XXXX XXXX XXXX XXXX for a cable bill from XXXX not belonging to me but someone received in my name. Ive disputed it and sent dispute letters and its still there. Please help. Thanks in advance!
Product: Checking or savings account

Attempted to make an ACH payment and PNC would not enable it to go through.
Product: Credit reporting or other personal consumer reports

I've been trying to remove it for years. They won't prove it. NOw that I'm trying to use my credit to buy a house, car, and get a credit card. During the time when I did have my card, my XXXX performed but XXXX didn't perform. There's no need to be so greedy. They also report my information to early warning services which I NEVER gave them permission ....
Product: Credit card or prepaid card

SOMEONE USED MY SS # AND DATE OF BIRTH TO OPEN A XXXX XXXX  ACCOUNT FROM XXXX AND USED IT TO CHARGE ALMOST {$8000.00} AT A COMPANY IN XXXX.
Product: Mortgage

I made a several Phone calls to Loancare on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning missing HAF payment for the month of XXXX. I informed each representative whom I was speaking with that HAF reportedly sent the XXXX payment on XX/XX/XXXX, however the payment was not applied until XX/XX/XXXX. On XX/XX/XXXX I called Loancare and spoke to a representative who told me my XXXX payment has not been received. I explained to the representative that XXXX stated the payment was sent out the beginning of the month for XXXX. Loancare is not applying HAF payments made on my behalf. This has been going on since XXXX. I am told by Loancare representatives to call XXXX and when I call XXXX XXXX told payment is sent out the beginning of every month. XXXX not sure what to do with the inconsistencies with Loancare.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my consumer report that I do not recognize. I am attaching a letter that contain all of the information that is inaccurate.
Product: Credit card

On XXXX XXXX 2015 we ordered a hoover board through Amazon. Several weeks later Amazon sent a email pertaining to the safety of the boards and at that time we attempted to stop the shipment. As it was already in transit, they could n't stop it. When it was delivered by XXXX we refused the shipment and the same tracking number was used to send it back. Last known location was XXXX. We notified Chase who handles Amazon.com rewards Visa to have the charge removed from the card. We are now in a battle between Amazon and Chase as to who is responsible to make good on the return. 
The third party, XXXX out of XXXX XXXX acknowledged that the item was in transit to them but has refused to acknowledge that it was received. 
As it stands now, Chase is saying that we will have to pay the {$270.00} and Amazon is saying its not their problem. At this time, we have not paid the credit card bill. 
Any help you can give us would be greatly appreciated. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX email : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is with Transunion Issue : Can not modify or even check status of credit freezes on Transunion website. Have to call instead.

There is no way to freeze/unfreeze/check status of my credit freeze on service.transunion.com, even after making an account. You have to call and be put on hold. According to customer support, this is a very common problem, and is unacceptable for any large company that has such sensitive consumer financial information.

In fact, the online freeze option has never worked for me. It always just shows a page that says " freeze status unknown '' and a link to the phone number.

As a consumer, I feel helpless to do anything about this situation- this credit company has all my information, and the least they can do is make it easy for me to do something about my information.
Product: Checking or savings account

PNC bank changed the terms on my bank account a second time without notifying me. The first change would prevent me from ever having a transaction in the bank with a human being without being charged a fee. I learned about this issue after finding a unknown charge on my account. The ATM was broken and I had to deposit money using a human at the drive through. They later waived the fee because their machine was broken. It was the 1st time I was made aware of the change. I have had the account for over 7 years. There were not the rules that I signed up for the account, The most recent issue was I got charged another fee because the rules changed again and now you needed direct deposit or a minimum balance or a fee was charged your account, I have a couple direct deposits on the account but they were not large enough for the bank. A bank should not be able to offer a bank account and once you have it for a couple years just change the rules without you approving of the changes. Anytime they need more revenue they look at their client 's account and see how can me steal more money from their accounts via fees. They get to use our money to lend to clients and they still charge us a fee for leaving money at their bank. The fees are excessive for doing nothing but depositing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of the Transunion lnquiry issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company murdered my consumer profile denying my credit because of unauthorized inquiries. On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. None of my request have not being honored. XXXX is declining to sent any document signed by me approving this inquires. Thank you.
Product: Credit card or prepaid card

When I first applied for my credit card I was not informed about how high my interest rate would be each month! 

I was mislead by the personal banker who set up my credit card account. I am also being charged interest fees for my checking and savings accounts as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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

Referencing the current complaint : XXXX Investigate WHO HAS BEEN AND WHO IS PROVIDING THE MONTHLY PAYMENTSFOR THE ACCOUNT AS IT IS NOT ME NOR HAS IT EVER BEEN ME. INVESTIGATE THE SIGNATURES AS IT IS NOT MY SIGNATURE. 
THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I did not authorize any of the accounts in reference. 
I HAVE NOT EVER MADE A PAYMENT OF THOSE ACCOUNTS. 
THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. 

Remove my name from the account. the account is for XXXX XXXX. It is not nor has ever been my account. 

Per the attached, TransUnion is attempting to circumvent this matter. I will continue to dispute this matter until the two accounts listed are permanently removed from my credit report. THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I did not authorize any of the accounts in reference. I HAVE NOT EVER MADE A PAYMENT OF THOSE ACCOUNTS. XXXX and XXXX removed the accounts. I expect the same from TransUnion. THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I have been divorced for over a decade. I have attached copies of the divorce decree. Just as the other 2 major credit bureaus did their due diligence I expect the same from TransUnion. XXXX and XXXX removed the accounts. I expect TransUnion to remove both accounts from my credit report and any affiliation with the accounts. Investigate WHO HAS BEEN AND WHO IS PROVIDING THE MONTHLY PAYMENTSFOR THE ACCOUNT AS IT IS NOT ME NOR HAS IT EVER BEEN ME. INVESTIGATE THE SIGNATURES AS IT IS NOT MY SIGNATURE. I will continue to escalate this matter until the accounts are removed permanently.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for not failing to properly investigate my disputes.l regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, XXXX actions may also contravene Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency Is reporting information from XXXX XXXX and XXXX XXXX XXXX XXXX  aka which is a third party of XXXX XXXX  in which XXXX was served with a cease and desist which as being reported on any credit reports is a violation of said order XXXX is reporting closed accounts from more then the legal limit of seven years they false change dates and information to try to get me to pay for account that are to old to be reported on my report and needs to be removed immediately since they do violate of fair credit reporting act I have sent multiple times information show all illegal actions Experian has also failure to send me any proof which violates the 30 day rule by posting all these accounts on my credit report they are aiding and abetting the violation of the ceased and desist orders
Product: Debt collection

Hello, This complaint is about Re-Aged XXXX XXXX/XXXX account. 
I signed up for an XXXX XXXX store card sometime in XX/XX/XXXX. I bought a house and move in XX/XX/XXXX.  At this time, I called XXXX XXXX and asked them to update my address. However, I think the representative forgot to update the system or for some reason, XXXX XXXX kept sending bills to my previous address so I never received them. I rarely used my XXXX XXXX card so didn't realize I was missing a bill from XXXX XXXX. Instead of contacting me by any other method such as a phone call or an email about this unpaid bill, XXXX XXXX decided to close my account and reported this on my credit report. Initially, the Date of First Delinquency of this account was  XX/XX/XXXX  or XX/XX/XXXX, since at that time I missed my first payment. However, in my recent credit report, this date has been changed to XX/XX/XXXX. and XXXX XXXX keeps reporting it every few year. This is a malpractice under Section 623 ( 5 ) ( A ). 

I received a call from XXXX sometime in XX/XX/XXXX about this debt, and I agreed to pay it off if they would take it off my credit report. The agent agreed to it, so I paid the amount with an interest. However, instead of removing this account from my credit report, XXXX XXXX re-aged the debt and keeps reporting it on my credit report every few years. The original debt/bill was only for {$48.00} dollars. I paid over {$58.00} with an interest.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased tickets for a football game ( XXXX @ XXXX  ) from the website XXXX. The cost of the tickets was {$1500.00} and the event was to be a celebration of my late father 's life with my family, my father loved the XXXX, and had passed away on XX/XX/XXXX due to covid. 

Our family purchased flights and hotel rooms to attend the event, and made plans. However, on XX/XX/XXXX, 4 hours before the event was to begin, the company sent an email explaining the event was no longer taking place at the time, and would be postponed. 

Additionally, the company did not even provide a rescheduled date until over 90 minutes AFTER the original event was about to start, providing no time or ability for us to make alternate arrangements with work schedules, or potentially even try to sell the tickets, as the company repeatedly removed our listing of the tickets so that we could not sell them! 

However, our family had no chance or ability to reschedule. The company sold us tickets to an event and then completely changed the date and time of the event, and refused to provide refunds. 

I disputed the transaction as dishonest, abusive and fraudulent, as the company changed the date and time of the event and provided no recourse to customers who spent hard earned money and time to attempt to attend but would no longer be able to.
Product: Checking or savings account

I opened a online account with chase I was instantly approved and deposited a large amount of money to me into the account so I wouldn't be charged maintenance fees That was on XX/XX/2020. Before I even got my debit card in the mail they froze my account for suspected fraud. I called to unfreeze my account but they told me I needed to go to my local bank during my states shut down do to COVID-19. I had to call them back after I tried to contact the banks and they said they will close my account within seven days then send me my remaining balance that was on XX/XX/2020. I received a letter in the mail marked XX/XX/2020 on XX/XX/2020 telling me that my account has been froze and they will send me my final closure letter but never received that letter. I called them back on XX/XX/2020 The first representative I contacted I could not understand at all and she told me the same thing that I needed to go to my local chase bank that is over a hour away. I contacted the backs and after needing to call multiple ones I reached the only one that might be seeing people in person and they told me I needed to make a appointment online. I tried to make one but none showed up in my area and The only appointment I could make was over the phone. I called the number I have been told to call XXXX and the representative hung up on me after waiting on the phone for over 25 minutes that is the time it took every time I called chase. I called back at got a representative in the United States and he finally told me that they never closed my account fully and he would start the processes and have my check mailed to me. I still have not received the check and suspect that chase bank is trying to steal my money. I received a credit card statement for my amazon rewards card that is through them and it is not closed yet either even though I can not access the account but no odd charges are on it.
Product: Credit reporting

There are actually XXXX problems : 1 ) We 're applying for a mortgage refi and our credit was pulled to see if we qualify. I had tracked my XXXX score for months on my bank 's ( XXXX ) site, which reported a score of XXXX until this month when it reads XXXX. The scores pulled for the loan range as follows : XXXX ( XXXX ) ; Equifax ( XXXX ) ; XXXX ( XXXX ). The mortgage broker is unable to explain the discrepancy between these scores and the XXXX score my bank reports. What gives? 

2 ) I downloaded my free XXXX report ; when I tried to do the same for Equifax, part of their " security '' routine was to ask questions about accounts opened several years ago, but in such a way that I had no idea what could possibly constitute the " correct '' answers to this quiz. Because the Equifax score is critical to our loan evaluation, I need an online report from them, yet I can obtain only a snail-mail report. Presumably, I failed their " quiz. '' This leaves us high and dry. 

3 ) A new mortgage-servicing company ( XXXX ) just took over our existing mortgage. The XXXX report I received online shows they did a credit check on XX/XX/2016. I neither wanted, nor needed, nor authorized this credit check, which would not be helpful when we 're applying for a refi. What can be done about this unwanted intrusion in our financial affairs? 

Thank you.
Product: Money transfer, virtual currency, or money service

I was scammed out of my life savings through XXXX. I sent money to a real estate agent to run a background check, then paid a deposit XXXX days later. On the day of the move-in, I paid the remaining balance. This all took place as I was driving across the country to be with my father, who had just been diagnosed with XXXX. I was renting an apartment as I headed to XXXX. 

Once I realized it was a scam, I contacted Wells Fargo, but they did nothing to help. The scammers took about {$XXXX}, which destroyed the next XXXX years of my life. This situation caused a domino effect, and it all could have been avoided if they had reversed the charges to a known scammer. I am absolutely furious.
Product: Debt collection

I was billed $XXXX  for a collection which I did not owe.
Product: Student loan

XXXX HAS FAILED TO ASSIST ME IN HELPING ME FROM DEFAULTING MY PRIVATE STUDENT LOAN. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO HELP BUT THEY KEEP INFORMING ME THAT I HAVE NO OTHER OPTIONS. I HAVE BEEN EXPERIENCING DEEP FINANCIAL HARDSHIP AND HAVE BEEN UNABLE TO AFFORD THE PAYMENT ON THE PRIVATE STUDENT LOAN. THERE HAS TO BE SOMETHING THAT THE FEDERAL GOVERNMENT CAN DO TO STEP IN AND HELP ME WITH THIS HORRENDOUS PRIVATE STUDENT LOAN THAT IS RUINING MY FAMILIES LIFE FINANCIALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters, called the bureaus, and sent in previous CFPB complaints regarding these hard inquiries. The dates that are associated with these inquiries I DO NOT recognize. I believe someone is attempting to open accounts under my name. The following hard inquiries I need them to be taken off. By law, these entities are supposed to be reporting accurate information. My reputation is being soiled and it is making it extremely difficult to apply for an apartment. I am being disrespected and my rights are being violated as a consumer. XX/XX/22 XXXX XXXX XXXX ( Equifax ) XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX ( XXXX XXXX XX/XX/22 XXXX XXXX XXXX ( XXXX ) XX/XX/22 XXXX XXXX  ( XXXX ) XX/XX/22 Onemain ( XXXX ) XX/XX/22 XXXX ( Equifax ) XX/XX/22 XXXX ( XXXX ) I have submitted an identity theft report on my behalf to move this process into completion. I have also attached forms of identification in additional documents for the companies use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of Transunion ). During a recent refinance of vehicles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from Transunion. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to XXXX about the model used. I contacted XXXX, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.
Product: Payday loan, title loan, or personal loan

I tried to make multiple payments online via lendingclub.com For the past 2 months I was not able to make an extra payment. I called and complained about this issue with No resolve. All of the reps state that I should be able. The site was not working corretcly. This hampers me to decrease my balance, hence more interest goes to the company.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX XXXX  XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} Name : XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent SANTANDER and XXXX both multiple letters of verification. I've requested both SANTANDER and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.