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

Last year in 2017 I disputed with XXXX and Experian regarding a account XXXX XXXX after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX  XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the a credit inquiry from Wells Fargo Bank, in which I did not request for credit. I do not have any knowledge of this account. I have disputed this account with all three credit bureaus and certified mailed a request to provide Authorization or Request for Credit and Request for Deletion to Wells Fargo. Despite my efforts, I have yet to receive a fair and lawful resolution, in accordance with consumer protection laws. As of now, without a response, I believe the reported inquiry are erroneous and should be removed immediately from my credit report. The failure to correct these inaccuracies has caused unnecessary harm to my creditworthiness, and I insist that the inquiry be investigated thoroughly and removed as soon as possible.
Product: Credit card or prepaid card

I have a credit card with TD Bank for over a year and had chosen " paperless '' billing and account management. Over the past 6 months I have not been able to access my online account in a consistent manner. When I try to log on I get error messages telling me that " something does not match ''. I go through the process of recovering and changing my password which all seems to work fine ( the website recognizes my ID, sends me a one time password by text, and then allows me to change my password telling me " confirmed '' ) but when I try to log in again I get the same error message and can not access my account. 

Because of this problem, and the fact that I do not get paper bills, I have made late payments and have been charged late fees and increases in my APR. I have no way of paying my bill or see my account status because I can not access the account online through no fault of my own. Every time I try to resolve the problems I have to spend 1-2 hours of my time on the phone with customer service who eventually resolves the problem but 1-2 weeks later I can no longer access the account due to the same problem. I have also had several dropped calls when speaking with customer service and attempting to get the late fee waived as I did not have access to my account online and was not getting paper statements. I have requested to speak with supervisors when the initial customer service representative could not help me but each time I am told that no supervisor is available and I should call back another time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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: Debt collection

There was a credit account open on XX/XX/2021 in the amount of XXXXfrom Comenity Bank which then sold it to XXXX XXXX  XXXX. Now XXXX XXXX XXXX is now suing me for this amount. Both companies never sent me Any kind of letters about the account to dispute it other than XXXXXXXX XXXX XXXX sent me a summons Suing me for this account on XX/XX/XXXX XXXX have no knowledge of this account.
Product: Money transfer, virtual currency, or money service

I had an issue with my bank account when I tried to send money through Zelle and receive money through Zelle. I tried to reach out to Zelle customer support but could never get in touch with an actual live agent.
Product: Checking or savings account

Good afternoon. This compliant is with respect to Bank of America and access to funds, by means of bank branch teller access. 

Bank branch lobby banking remains restricted to a considerable degree at most branch locations in the XXXX, SC market. During the heigh of the COVID-19 pandemic this was appropriate. However, branch hours restrictions continue, and in certain extreme cases, some branch lobbies remain closed ( though the bank entity remains open ). This adversely affects a consumer 's ability to access funds in scenarios where ATM access in not enough ( such as very large withdrawals beyond ATM withdrawal limits, or in the case of obtaining certified funds ). In these instances, use of a bank teller clerk is paramount. 

As recent as XX/XX/2022, one Bank of America branch in XXXX, SC posted their branch business hours as XXXX to XXXX Monday through Friday. This lack of access severely restricts the client 's access to their deposit accounts. Additionally, these limited branch business hours are not industry standard, nor representative of prior Bank of America baseline business practices. This could be construed as purposefully withholding access of client funds, possibly to gain further accrual of interest by the financial institution where the funds are deposited.
Product: Student loan

going back about 5 years ago, navient reported to the XXXX New York state, that my parents plus private loan was in default, and the following amounts were garnished from my federal tax returns, according to the XXXX : XXXX XXXX, 2014 {$1000.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$1700.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$190.00} XXXX principal XXXX interest XXXX other? 

For a total amount of {$2900.00} This was illegaly taken from my taxes as we put all my sons loans in deferment, and this should have been included. the loan went into default and they took the money. Navient and XXXX XXXX, told me that these loans could Not be put into deferment or forebearance and since they were not paid they took my tax return funds shown above. 
My sons current loans INCLUDING this loan are now in forebearance or deferment, which is troubling. This all started when the entities above, XXXX and navient, said they could NOT be included in the XXXX actions refered to above.I WANT my money returned and the amount re-added to the current loans all in deferment, as it never should have been garnished. these loans should ALL have been in deferment or forebearance since day XXXX XXXX This has caused a financial hardship during that time, and started many arguments with my son. Navient sent me letters sometimes XXXX4 times a week demanding money and being very unprofessional and rude to put it mildly..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX the XXXX XXXX XXXX XXXX installed Solar Panels on XXXX homes my Husband and I own. At the time, my Husband and I were unaware that XXXX XXXX XXXX setup all the Solar Panels without a Permit from the City of XXXX California. XXXX XXXX failed to complete the job that was guaranteed on the contract. XXXX XXXX XXXX is nothing but a big scam of a company. Enfin Corp was the loan company that my Husband and I were approved for to finance the Solar Panels that XXXX XXXX XXXX installed on XX/XX/XXXX. Again my Husband and I were unaware what was going on with the Installation on the Solar work. After a few months pass, we didn't hear anything from XXXX XXXX XXXX. My husband and I called Enfin Corp quite a few times on canceling the loan. ( Unsuccessful ). On XX/XX/XXXX Enfin Corp reported to the Credit Bureau. Again, XXXX XXXX XXXX is nothing but a big scam, and Enfin needs to reach out to XXXX XXXX about getting the loan back. Enfin needs to reach out to The Credit Bureau to remove the {$93000.00} from are credit reports. This whole experience has been nothing but a nightmare for me and my XXXX. Our credit scores have suffered because of Enfin Corp. XXXX XXXX and XXXX XXXX
Product: Debt collection

The regional Adjustment bureau continue stop calling me incessantly. The called 50 times in 10 minutes even after speaking to them. They are accussing me and my father of owing somethin we do n't owe. They are verbally abusing and harassing me, my family, and people in my office. They were extremely aggressive and extremely rude. 

XXXX
Product: Vehicle loan or lease

This is simple. Im a co-signer for my son XXXX XXXX. His car was totaled XX/XX/2023. XXXX and Lexus took forever to resolve. XXXX sent me proof that they paid the car off. Since XX/XX/2023 and Lexus has the money and between them and their lexus Gap insurance department no one would give me proof that the car is paid off or will they update my credit report. Im trying to buy a home now and it affects my son and I. He now has 2 cars on his report also because they refuse to update both of our credit reports. I asked for a supervisor call back and they dont call you back at Lexus financial . This company is so unprofessional. Now I got call today from the salvage and XXXX another power attorney form not signed. Both companies cant get it right But they have the money so why not update and take me off the loan and put paid on my credit. It shows Toyota motor credit on my credit and the Lexus Gap coverage has not updated my account when they told me its approved
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not liable for this debt with liberty mutual. I do not have a contract with the XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Product: Credit card or prepaid card

XX/XX/XXXX I went to XXXX to pick up my rental car. I rented there before and asked the agt that the deposit hold would be the usual {$250.00}. He said yes. He finished the rental agreement and I walked out to the car but got a text from XXXX saying {$280.00} had been deducted from my acct. I went back in and showed the agent. He showed me his register and his showed {$250.00}, I showed {$28000.00}. Evidently I had an active reserv. for the 24 hr rental and a previous weekend rental I had cancelled. The agent wrote the agreement from the cancelled reserv. I called XXXX and was told XXXX would have to issue a credit once they cancelled the agreement. ( I no longer needed the car as I had to be where I was going by a cutoff time and that was less than an hour from then and the drive itself was an hour. ) On XX/XX/XXXX at XXXX XXXX credit + {$250.00}. At that point we were even.The very next posted transaction on XX/XX/XXXX at XXXX is a DEBIT for {$250.00}. From all the information I am able to see through the customer website I see no evidence of the original debit on XX/XX/XXXX ( got a letter to supply to the mgr at XXXX  ) the credit on XX/XX/XXXX and the second debit on XX/XX/XXXX. For almost the last month I have been trying to get what it looks like I am owed. I filed a formal dispute XXXX by XX/XX/XXXX it was closed because XXXX issued a credit. Tonight I spoke with XXXX/netspend and a month later I am being told that not only did XXXX issue a credit but now I was told XXXX/netspend also issued a temp credit and that is why the 2nd debit at XXXX XX/XX/XXXX to reverse out this supposed temp credit issued by XXXX/netspend. If that is the case, why am I just finding this out now? Why didnt the dispute process uncover this supposed temp credit. The XXXX agt kept asking me " how do you think your balance got to over {$500.00} after the {$250.00} credit? on XX/XX/XXXX my balance shows at {$280.00}. XXXX  credit posts and my balance goes up to {$330.00} approx.. ( i had loaded {$280.00} onto my card right before going to get the rental. I said, " thats how my balance got over {$500.00}. Needless to say the cust svc agent has all the levers of control in from of her,
Product: Prepaid card

I bought four {$50.00} prepaid AmEx gift cards on XXXX XXXX, 2023 from XXXX. I tried using all four cards online and also in person at NUMEROUS places and they will not work ANYWHERE. After calling customer service 18x, a guy told me that he would cancel the four cards and send me four new {$50.00} AmEx prepaid gift cards. After waiting over a week, ONE new {$50.00} AmEx gift card was mailed to me. Not four cards. ONLY ONE. And it will still NOT work ANYWHERE. I have called customer service 27 more times trying to find out where my other three {$50.00} giftcards went and nobody can help me. They all say that they were refunded. No they were NOT refunded!!! And the one {$50.00} giftcard they did send me will still NOT work ANYWHERE!!!! I got online to see if anybody else has had this problem and there are HUNDREDS of people online complaining of the same exact issue. Multiple people were ripped off gift cards when they were supposed to get new ones in the mail and when they only received one, it would still not work anywhere!!!! How is this legal??? My money has now been tied up for almost two months. Customer service is a total joke. Some person from overseas who can barely speak English just repeats the same thing over & over then puts you on hold but nobody ever picks back up. How come there isn't a class action lawsuit against this company yet??? This is unbelievable!!! Every time you try using the card at a new merchant, they deduct XXXXXXXX XXXX from your card. But then your card is declined after they take the XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX has violated my rights. 
15 U.S.C. 1681 section 602a states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax was breached and my personal information, including Social Security Number,  birthdate, address, and driver 's license number were released to hackers. Because of this I 'm a likely target for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 6 Balance {$7900.00} Date Opened XX/XX/XXXX Amount Past Due {$7900.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ 297 Months Reviewed 48 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

Security Credit Services  ( Original Creditor :   XXXX   XXXX   XXXX    )    XXXX   XXXX   XXXX   XXXX   XXXX  , MS  XXXX  - {$9800.00} This was  Auto Loan  with another company by the name of   XXXX   XXXX   XXXX  . Upon me trying to make my credit situation better I had no idea what this company  (   Se  curity Credit Services  ) was because this is not the original creditor. I disputed this debt and now they are listing it as if its a new debt noted   XXXX   due me disputing it. This is a old debt from   XXXX   ; by law they have to go by the date it originally defaulted with the creditor. I was never told that this account was being sold off to another company. This is really disappointing when I am truly trying my best to better my credit situation.
Product: Credit card or prepaid card

I submitted a complaint to CFPB ID NO. XXXX sent to XXXX XXXX XXXX ; however, one of the vacuums purchased and returned to the merchant and he has both of them and did not issue a credit so has both vacuums and my money ; is on XXXX XXXX but I did not get to add that credit card so I am sending the disputes I opened with XXXX XXXX XXXX and XXXX. I am sick and now having XXXX on my XXXX XXXX for XXXX XXXX on XXXX XXXX and I am very ill and have no resolution to this and after XXXX I am going to be unable to do anything. He has both vacuums totalling XXXX plus XXXX for a total of XXXX.
Product: Debt collection

someone has used my identity XXXX my identity was stolen to receive services and open several accounts they continue to try to collect and report negatively on my file an account that is fraudulent i have filed a police report report number XXXX and a notarized affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 an account without my written instructions.

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.
Product: Credit card or prepaid card

Barclays card USA : XX/XX/XXXX activated card I received and tried to use. Wouldnt go through. Called customer service and got rep. Said card was fine I kept on line and tried to use it, it was declined again. Rep transferred me and I was on hold for 1.5 hours and no one picked up. Used another card to make purchase. Tried using it again XX/XX/XXXX and declined. Tried to call was on hold for 25 minutes before I hung up. I have other access to funds but what if I needed this card in emergency? They are clearly running bare bones call center staff and its impossible to get actual help
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of an incorrect late payment entry from my credit file for XXXX last year. This entry had been previously removed but has reappeared, despite the account being fully paid off at that time. I consistently make my payments on time and use this card specifically to build my credit. 

This error is critically affecting my credit score and my current effort to purchase a house. Please remove this late payment entry immediately to correct my credit report. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are numerous accounts opened. I paid the amount I was told over the phone. Shortly after, I received another statement with an amount of {$1800.00} ( approximately ). When I called, I was told there was over {$12000.00} owed. The amounts showed for the service dates do not make sense as I was insured. When I look online through the healthcare system, it shows, the amounts were paid by my insurance.
Product: Mortgage

To whom it may concern : Can ANYONE help? I have fulfilled all requirements re Claim # XXXX dd XXXX Green Tree Loan Servicing, & I am being told that I MUST wait until further investigations are complete before the check which was issued by XXXX XXXX can be released to me for completion of repairs to the home I live in. 
I have an XXXX 15 year old daughter who is suffering in this HEAT WAVE -- -along with XXXX cats, a bird my wife and myself. 
No hotel will take us. 
My next step will be an attorney & the Media. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Reporting Agencies have assumed a XXXX XXXX and have XXXX responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Consumer Loan

This was an auto lease for business. The auto was brand new and started having mechanical issues right from the start. I had to take the car in XXXX times within a XXXX month time period due to the electrical and mechanical issues. I had communications with both BMW finance and XXXX XXXX. This auto was a lemon and should fall under the lemon law. I will be obtaining an attorney if needed because this should not be reported as a charge off or involuntary repossession nor should it have any type of balance. I have included all correspondence via email and proof of the number of times that car was serviced.
Product: Credit reporting

there are XXXX names and identification numbers associated with my credit have never lived in these XXXX addressed below XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company put these inquiries on my credit without my consent. I have no business with these companies at all. 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
Product: Credit reporting or other personal consumer reports

I mailed out information needed to properly update my report and the bureaus have failed to do so. There is a lot of information reporting improperly such as addresses and information that is a result of identity theft. These bureaus are reporting this information without proper verification before doing so. 
Inaccurate information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a late fee off XXXX in the month of XXXX. I had made a payment of XXXX $ twice that month on the XXXX of XXXX and the XXXX of XXXX. I was told that I made a payment to early on the XXXX and made a payment 1 day late. They said they would wave XXXX $ of it and this is the second time they have done this. Besides the interest rate being at 35.99 %. I dont believe this is fair.
Product: Credit reporting or other personal consumer reports

When checking my credit report, it shows a hard inquiry by JPMCB in XXXX XXXX. I didn't fill out an application that would initiate a hard inquiry. I would like to request that it is taken off of my credit report. 

JPMCB did send me an email confirmation that I had a hard inquiry attached to my account.