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

Placed initial fraud alert with Experian. Received letter from Experian with phone number to call to get complimentary credit report. Phone number has automated message with no option for complimentary report, only option is to purchase for {$12.00}. Tried Experian website to get fraud alert related complimentary credit report -- no option there either. All phone numbers I could find to Experian had the same automated message, no option to get credit report except pay {$12.00}. I thought placing fraud alert includes free copy of credit report?
Product: Credit card or prepaid card

Card was opened with XXXX XXXX without my knowledge I've asked them to do an investigation, I've sent all the proper documents to them now they have transferred the account to Cooling & Winter in the of amount for XXXX because they can not verify the information to me
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX XXXXXXXX XXXX and they got me approved for a XXXX XXXX XXXX with XXXX miles and I could not get a price of the truck no matter how many times I asked until I got the paperwork signed and finished then I found out that it was costing me XXXX and that is with a XXXX down payment and I have been having problems with the truck since I got it and no one wants to do anything with it besides changing more money
Product: Credit reporting, credit repair services, or other personal consumer reports

Since agreeing and taking an auto lease with XXXX there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the XXXX XXXX XXXX XXXX XXXX in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to XXXX along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, XXXX attempts in XXXX and 4 attempts in XXXX - when finally XXXX decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however XXXX took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted XXXX and there seems to be no sense of urgency to resolve this very urgent matter.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Bank of America has been sending me harassing emails with regard to a debt that has been charged off furthermore this account is still reporting on the credit bureaus. This has start XX/XX/19, and has continued every week since. Furthermore, under the fair debt collection 805 section c this a violation of my rights.
Product: Checking or savings account

I purchased an auto policy with XXXX on XX/XX/XXXX, on XX/XX/XXXX, a duplicate charge was posted on my checking account from BOA. I this filed a dispute with BOA and was given a credit of the second payment on XX/XX/XXXX. However, I immediately received a letter from XXXX stating I needed to make repayment because the payment from BOA was reversed. I called XXXX again and they stated they only received one payment which was reversed. I was very alarmed because I was dented twice, if one was credited, then the other should be valid. Yet XXXX vehemently denied they got two payments. I then had a XXXX way call among both BOA and XXXX, trying to resolve this issue. I asked the question to BOA, and a rep ( XXXX ) told me they already communicated with XXXX, and XXXX XXXX had a written statement admitting their error. I thought the dispute was resolved. Yet I kept receiving notifications from XXXX that I didnt make the payment, yet {$3100.00} was gone from my BOA account on XX/XX/XXXX. I then filed a second dispute claim with BOA on XXXX, and BOA placed XXXX temporary credit in that amount back to my bank account on XX/XX/XXXX. Yet, on XX/XX/XXXX, l received a note from BOA saying that my second claim was denied and I will be debited the credit of {$3100.00} on XX/XX/XXXX. In the meantime XXXX is still asking for my payment. So, after the whole process, I will end up with a loss of {$3100.00}. I made the second XXXX way call with both companies on XX/XX/XXXX, when being asked where the money from my account will go after XX/XX/XXXX, and the first rep from BOA told me it will be back to BOA. I asked him why, because my purchased service is with XXXX, not BOA, he got his supervisor ( XXXX ) on the phone to deal with me, after the rep from XXXX explained why they only got XXXX payment, never the XXXX payments as the rep ( XXXX ) told me last week, since that payment was reversed l realized that the whole trouble which has caused me health issues ( I have since this developed health problems that I am still trying to deal with ) and loss of lots of time, it was stemmed from the error of BOA system, when they posted the pseudo duplicate payments on XX/XX/XXXX. Yet XXXX refused to listen to me, and refused to answer my question as where the first payment of the XXXX on XX/XX/XXXX went, since based on XXXX, only XXXX went to them. She even hang up on me. Basically BOA took money out of my account on XX/XX/XXXX, and returned to me on XXXX/XXXX, and then will take the money again on XX/XX/XXXX, presumably paying XXXX, yet I have to come up with additional {$3100.00} right now to pay XXXX. Because of the banking error, I have endured physical, psychological and financial losses. Their customer service is very bad. Ive been working BOA for nearly XXXX, it is time that I sever my business.
Product: Credit card

I purchased service with Klarna merchant name is stock XXXX XXXX on XX/XX/year>. I reached out to the merchant to advise them that I did not received what I purchased and I havent received a response later the website was then taken down, presuming to be fraud. I reached out to Klarna to advised them that I have not receive the item that I purchased with the XXXX time card and requested a dispute to take place to get my money back. The item that I purchased was a product that was supposed to sent to my email after purchased. I have notified klarna multiple times that I have not received the item and submitted a dispute, but however, they were overturn twice and resume the payments after sending in proof multiple times that I have been contacting the seller to get a refund but after I send the email, they immediately just resume the payments which has been wondering that they have not did a full investigation on my dispute so Im asking your company to help me initiate a re-investigation so I can get a refund of my money for a product that I did not receive.
Product: Mortgage

The loan servicing company, XXXX ( Lakeview Servicing ), does not properly disburse funds from escrow and does not communicate with its customers. As is typical with a conventional mortgage, my homeowners insurance and flood insurance was supposed to be paid from my escrow account. All payments are current and have always been paid timely since the inception of the mortgage. 

Regarding my homeowners insurance, XXXX did not timely pay to re-new my insurance policy, which resulted in a lapse of coverage and multiple phone calls to try and resolve why the premium was not paid. This is unacceptable and the company should be making timely payments and not allowing its customers to be left with a lapse in coverage. 

Regarding my FEMA mandated flood insurance, XXXX never advised the flood insurer that it was now servicing the mortgage ( originally a XXXX Mortgage ). XXXX never paid the flood insurance renewal - allowing the Policy to lapse. The original flood insurance company refused to back-date the Policy, resulting in me having to purchase a completely new flood insurance at a much higher cost. I provided proof of a brand new flood insurance policy on XX/XX/XXXX and still today ( XX/XX/XXXX ), XXXX has refused to pay the policy premium through the escrow account. They have instead suggested I buy the Policy myself. XXXX is also threatening to charge the account {$670.00} because there was a lapse in coverage - a lapse that the company caused and created and is now blaming the homeowner for and charging the homeowner. XXXX is placing lender placed forced flood insurance on my property, where I have provided a different Policy and they refuse to pay it and instead tell me the situation is " out of their hands. '' Most of the representatives are nice, but seem very limited in anything they can do and can not resolve any situation. Please do not allow XXXX to continue to service mortgages, and fail to pay from escrow accounts, resulting in a significant hassle and frustration to the homeowner. This is an unacceptable practice, whereby ultimately, XXXX is holding on funds it needs to release and is engaging in predatory lending practices and violating fair debt collection practices.
Product: Credit reporting or other personal consumer reports

Cfpb complaint : ( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting
agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A collection account opened at : XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and a XXXX  XXXX Bankruptcy opened on XXXX XXXX, XXXX. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have been a victim of identity theft and have several negative accounts that were opened without my knowledge. This company continues to tarnish my report after several attempts of asking them to show me how its being verified. Debt was charged off and company still illegally is reporting false information
Product: Debt collection

Southwest credit systems has furnished information on credit file regarding XXXX bill. Made contact with XXXX and company unaware of debt. In addition requesting signature for contract. This company has furnished, unfurnished, furnished on credit file. This is unacceptable and a violation according to FCRA.
Product: Mortgage

I have been paying on my mortage for twenty years and instead of going down it has gone up. I got my mortage statement today and it tells me why. Principal=XXXX, interest=XXXX, escrow=XXXX which comes out to be my payment of XXXX. There 's something wrong with this picture and no wonder my mortage is not going down. My interest rate is suppposed to be 5.125 %. I have been paying on this house for at least 20 years and my mortage has been sold at least once a year. I 'm totally fustrated with all this and I am now XXXX and still trying to work to meet this high house payment. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows 1 late payment for XXXX XXXX on XX/XX/2019. 
I have never been late on this account and the account is now closed. 

XXXX and XXXX show the same account with ZERO late payments. 

Per US Code 1881e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like to have Experian to correct the report to show no late payment on XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This is a followup to a previous claim XXXX. The complaint process is listed as complete and closed however, there are outstanding questions and concerns which have not yet been addressed by the company, et al. 

These are the questions I submitted on XX/XX/XXXX : XXXX ) Why was I not informed that the refund should be returned? There were no conditions or stipulations communicated when I requested or received the refund check, or at any time to this day. XXXX ) Why was I not informed that the loans were being transferred to AidVantage? XXXX ) Why was I not made aware that the balance was being reinstated on my XXXX XXXX? XXXX ) Why was I not informed that the refund would need to be returned before the XXXX forbearance ended? I was not given the opportunity to have the paid in full status reinstated as I was not informed that it was due or of the deadline. XXXX ) Why was I told by AidVantage that my loans are currently in forbearance which would mean the loans were not accruing interest yet, according to the company 's CFPB response, interest has been accruing since XX/XX/XXXX? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus ( XXXX, XXXX, and TransUnion ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX  XXXX XXXX, 2 ) XXXX Customer Service on XX/XX/XXXX for XXXX XXXX XXXX, 3 ) XXXX XXXX on XX/XX/XXXX, 4 )  XXXX XXXX on XX/XX/XXXX, and XXXX  ) XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
Product: Payday loan, title loan, or personal loan

I believe this loan is a predatory loan. When I first got the loan I paid triple the amount of the payment. When I first asked for a breakdown of payments I was denied. I also wanted to pay my payment early I was told if I do that before I get My monthly stamens I would have to make a double payment because it would automatically apply to the principal. I would be considered late then if I didnt make 2 payments. I have been paying this loan for 4 years and I believe it should be paid off but my statement says I still owe a significant amount. Also the interest rate is 9.99 and they take 50 % of the payment each month for interest. I believe this loan has to be looked at if they are doing this to me they are doing this to all customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX****Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I filed a XXXX  block request per FCRA Section 605C. With all required documents included several times this year and each time my request is denied due to not providing a determination. However I have included certified determination letters with each request. Equifax is the only CRA refusing to accept my documents and block adverse information from my report. I have requested an explanation as to why my determination has been constantly rejected but have yet to receive an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open auto loan with TXXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XX/XX/2023. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to XXXX. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over XXXX Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on XXXX part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my Transunion credit report. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors dealership to see if they had cameras and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

Please have these fraudulent unapproved inquiries below removed from my TransUnion credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they is held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
WELLS FARGO HM MORTGAG XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

I applied for Citi Simplicity Visa on XXXX XXXX, 2017 & received denial letter dated, XXXX XXXX, 2017 with reasons for denial : I filed bankruptcy & citi account was included. Previous or existing citi bank cards have past due late payments, & current credit account use is restricted. I have all 3 credit recent reports and NONE of these are on any of them, nor have a filed bankruptcy. I called the number on the letter, XXXX & was told by representative he needed to transfer me to another rep. While on hold I hear a recording saying this is an attempt to collect a debt. XXXX answered indicates he is in Citibank in XXXX. I dont have any derogatory accounts, collections, or public notices on any 3 reports.I told XXXX my concern was that online I attempted to check application status and my info was not what they had on file. Ie, birthdate, phone number, & zip code. I asked him for his address in XXXX. He gave me Citibank in Kansas. I asked him what account from Citi is he attempting to collect on, and he never told me. He also REFUSED to let me speak to a supervisor nor give me his phone number or his supervisors number. Also after calling the number on the denial letter, the automated system directs you to call XXXX for application status. I have good credit never late. Obviously, they are not denying me based on whole or in part of ANYTHING IN ANY OF MY 3 credit reports. Im being denied credit based on lies.