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

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX date breach and may have got into the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working from home as a XXXX XXXX XXXX XXXX. I was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a check from one company and it cleared with no problems at my bank, bank of america. Then the next month I received another check for my services and I again went to my bank to deposit the check and it was confiscated for fraud. I did not know the check was fraud and my bank advised me to close my account so I did. No questions asked. I no longer accepted jobs from the company but yet I went to open up an account and I was notified that my name was under fraud suspicion. I would like this issue resolved, this is false information. I pay taxes and bide by all rules. I need direction as to what I need to do to resolve this asap. 


Thank you XXXX XXXX XXXX XXXX Consumer # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called the following credit reporting agencies XXXX, Equifax and XXXX to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXX BXXXX XXXX XXXX XXXXk XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXXT, XXXX XXXX : XXXX. XXXX, XXXX AND XX/XX/XXXX 2021
Product: Debt collection

I received a email from XXXX XXXX XXXX  prompting me to review my file as there had been a change to my credit file and I discovered after reading through the 5 pages, that the same company who has been continuously harassing me as well as ruining my fico score is the same company .I have attached the 5 pages. This is the company that claimed I ordered a mail order and I did not do such a thing. They also said that they were going to contact collections and they also did that they need to be stopped and I have tried to do so and I would like to ask for your help as they will not stop. I have did what they wanted and that was to send them a affidavit stating I did not make a mail order. That has not stopped them they have continuously reported negative to XXXX, XXXX  XXXX  shows my score as a XXXX and that is correct as I have worked hard to get my score that way so that I could buy a house. They are using 3 different names and it started out as one.They have used different amounts that they state I owe.
Product: Debt collection

Be advised, the following company UNITED COLLECTION BUREAU XXXX INC is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. UNITED COLLECTION BUREAU , INC must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.
Product: Prepaid card

I tried to use the card around XXXX and the days following. It hasnt worked at any merchants in store or online. I contacted Amex gift card customer service twice to see what the issue was, but they just told me that nothing was wrong with the card and to try using it again in XXXX  hours. I tried that and it still didnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the XXXX dealership not to run my credit and they did without consent.
Product: Mortgage

My mortgage loan servicing was sold to Shellpoint Mortgage Servicing by XXXX & I received a letter from Shellpoint Mortgage Servicing, ( SMS ), on XX/XX/XXXX informing me that they are my new servicer! On XX/XX/XXXX I received another letter from SMS stating that I was two months behind & had not made my XXXX or XX/XX/ 2019 mortgage payments. When I called SMS I was informed I owed {$2400.00} which included past due payments of XXXX, servicing fee of XXXX, NSFI fee XXXX & an unapplied balance of ( XXXX ) & XXXX  only transferred XXXX dollars for my impound Balance! SMS had placed my account in their loan mitigation department & are attempting collect a debt. I did make my XXXX and XX/XX/2019 payments to XXXX. On XX/XX/ 2019 I emailed, XXXX ' and faxed XXXX XXXX XXXX, SMS a copy of both my mortgage payment checks, front and back, showing that XXXX had cashed my checks. When I called SMS on XX/XX/ 2019 to get an update I was informed the email and fax number incorrect. I emailed & faxed the same information the new information, XXXX & XXXX XXXX XXXX, provided. It has finally been uploaded into SMS 's system! 

Thirty days have been wasted & they won't move my file out of their lost mitigation department to customer service, I was not behind on my mortgage payments! I am not going to make any payment to SMS until they rectify my account. They will not escalate my file or allow me to speak with a manager or supervisor! They will not give me a time frame in which this mess will be resolved! I am being told that they are waiting on XXXX to determine if my payments were made even though I have given them indisputable evidence that XXXX received & cashed my mortgage payments!
Product: Debt collection

I was notified on XX/XX/XXXX at XXXX that I owed {$5700.00} from dates of services XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX. The company that called me did NOT leave a voicemail in which I called back. The company is called Common Wealth Financial Systems, Inc. I have never been back to back to this facility ever before. Its scary because these dates do NOT sound familiar at all and I didn't receive anything in the mail I also have NEVER been called from this facility.
Product: Money transfer, virtual currency, or money service

Ive had fraud with XXXX with my chase account which got closed because of this.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to refinance my car in Golden 1 credit union. They run my credit and they approved my loan. They ask to send all the paper work so I did but in couple days I received a call saying that they change their mind because my social was a work social not permanent. I told them I felt discriminated for their actions because first they saw my credit that didnt start with the number XXXX like everyones but yet they run my credit told me I was approved and then they change their mind. Second I felt like they assumed that probably I would get deported some point on the process of the Loan. I never felt so low and unequal like this before. I understand they protecting their money but I know for a fact they wouldnt treat permanent citizens like this.
Product: Debt collection

I call today XXXX XXXX XXXX and spoke with XXXX XXXX she call me a lie about 14 medical bill I dont own .. I try to talk to her about is identity theft be cuz I have the prove and police report I been in this situation over years .. they dont want to make any fail decision about my case she es very rude to me by the phone ... she was I have medical insurance I never have before in my life!! The only insurance I have is XXXX  XXXX She say she didnt believe what I was saying .. any to XXXX  no collect entre medical bill in my name she say they have 14 new bill from XXXX XXXX clinic
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602A. 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I got a call from XXXX agent over a year ago about not letting my school loan default. Not really knowing much and talking with them I found about forbearance to get them out of default. We did the paperwork and they determined with XXXX kids and my pay I would have {$5.00} taken from my paycheck per paycheck. Then after a year I would get contacted by a new collector. I never did and then a bill from Navient showed up and I had to call to make sure they were n't a fraudulent company. Found out they were part of XXXX and I had just recently paid a CC off so I started sending that money in twice a month towards my loan. So I went from paying {$10.00} that XXXX had taken from my check to {$100.00} a month. Last month I got a final notice letter from Navient. I called and asked why? They said I had n't been making large enough payments and I explained all this to XXXX ( # XXXX ) and asked for all info in our conversation and the paperwork I needed to fill out, to get my payment recalculated as before when XXXX had done so, emailed to me along with conversation. I did receive a email but could n't respond to it and still have not received the paperwork I need to fill out. Very frustrating as I am working hard to provide for my XXXX kids and rebuild my credit score after my divorce and find out they are reporting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of  Limitation. These items are holding me XXXX for a better life for myself and my Family.
Product: Credit card or prepaid card

Back in XX/XX/ someone opened a Macy 's Citi card and charged just over {$500.00} on it. I never opened this card, nor did I give anyone permission to open a card in my name. I called their fraud department, they said they marked it as fraudulent right away and I shouldn't worry about it. Three months later my credit score gets dinged and I see they filed a no payment against me. I called back in and they person I spoke with said they see where it was caught as fraud right away, but the person flagging it did so incorrectly, so they claim to have corrected this, but I just received another call XX/XX/ claiming I still owe this money. I am beyond over dealing with this shady company, nor should I have to as I have never done business with them in the first place. I don't know what else to do other than file a complaint before they ding my credit once again.
Product: Mortgage

I have a mortgage on my Condominium with Fifth Third Bank. My taxes and insurance increased last year by approximately {$2000.00}. The escrow statement for the coming year has reflected the increase and I agree with that. The escrow statement however, claims that I will be {$5700.00} short this year even though I am paying throughout the year. The Bank 's justification for the shortage is that they are paying the tax in XXXX, even though it is not due until XXXX. Further, calculating the balance at the end of the year, they still claim that I would be {$1200.00} short, even though I will have {$4500.00} in my escrow because they are using the same logic for the next year. This is akin to asking for a deposit and this skewing my payments wherein I am paying {$900.00} a month for escrow and only {$800.00} for my mortgage and interest. I have another account with Fifth Third and this is even more more egregious because the county has not even released the tax bill which will not be due until XXXX of Next year and they are claiming that they are paying this in XXXX. Fifth Third personnel were rude and told me that they have a right to collect the money at any point since they are the ones paying the taxes and insurance. In effect, they are skewing these escrow balances on purpose.
Product: Vehicle loan or lease

US Bank makes it extremely difficult to pay off your lease. 

My lease is ending. I contacted the dealership about trading in on a new lease and was advised that US BANK does not honor the buy out price on a lease when trading into a dealership. I feel this is deceptive and it was not disclosed to me when I leased the vehicle. 

I decided to purchase my vehicle. The rates at US Bank were nearly twice what my credit union offers so I requested pay off documents be sent to me. They arrived in the mail approximately 7 days later and stated the check must be received 10 days after the letter date. This made it impossible to work with my bank to finalize a loan and return a check as I only had 3 days left. I assumed this short date was due to the timing of my next payment so I requested another letter but every letter is dated only 10 days after the day its requested even if the pay off amount doesnt change after that 10 days. US BANK stated theyll accept the amount up to 10 days after but of course my bank will not accept that verbally. Theres no reason they shouldnt be able to date the letter for later. They also listed incorrect tax information on the letter which further delayed the process. See attached for letter dated 10 days after the issue date and the incorrect sales tax info of 9.5 %. Sales takes in Tennessee are 7 % I feel due to high car prices at the moment US Bank has changed their policies on loans to make it more difficult for consumers to purchase or trade in their cars at the end of lease. This is unfair and deceptive.
Product: Debt collection

3 years ago, I bought auto insurance from the XXXX XXXX XXXX XXXX XXXX. I was a member for several years before that 2016. During that policy year, I added my 2 children to my insurance policy, the agent did provide a pricing which made sense for our family. However, after the enrollment XXXX XXXX XXXX  sent us the monthly bill and the payment amount was roughly {$1800.00} per month for 4 of us. That was outrageous in any type of coverage. I immediately contacted my XXXX agent and XXXX  billing to resolve the pricing discrepancy. XXXX  did not provide any solutions to our payment. We did made payment arrangement to keep the coverage while shopping for new carriers or separating our children from our policy to lower the cost. After we have found another carrier, we immediately contacted XXXX   and my agent to cancel the policy so XXXX won't charge us for the 2nd month.

The past 4 months, after reviewing my credit report. I found that XXXX did place both my wife and I on collection for the amount of {$4500.00}. Then XXXX had sold that account XXXX XXXX XXXX in Southern California. I immediately took action by sending in letters to the major credit bureaus and XXXX to dispute the reporting on our credit report history. However, the credit bureaus and XXXX   did not take action to verify our concerns regarding this account. Their action had cause family worries and so many confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I issued a check to XXXX XXXXXXXX XXXX XXXX XXXX XXXX for auto body work. My wife and I left with the car only to be called back by XXXX for a " problem '' with the check. The check was " not accepted '' due to a report from an outfit called TeleCheck. My wife immediately paid with her debit card on the same account that the check was issued.

I called TeleCheck to find out why they were behind the declination only to be asked a series of personal and probing questions before they would answer my question. I refused to give them the info based on advice by the government not to give out such personal info over the phone due to frauds and scams. On XXXX, I went to TeleCheck 's website and, as instructed, filled out a form to find out what the problem was. After submitting the requested info all I got back was a " thank you '' response. 
The declination issued was defamatory and caused us undue embarassment with a local business. There was nothing wrong with the check or our account which had more than enough funds to cover the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. Transunion and XXXX have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( WFBNA Card ) Has violated my rights. Under 15 USC 1681 section 602 states, I have the rights to privacy 15 USC 1681 Section 604a Section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purposes
Product: Credit card or prepaid card

While working abroad for meany years, I was unable to use my Capital One Visa, since I was mostly using foreign currency. I also used my other credit cards. My Capital One Account was in good standing. Capital One sent a letter to my U.S. address saying my account would be closed on XXXX XXXX XXXX due to dormant status. My parents had been traveling, and didn't receive the letter until after they returned in late XXXX, and notified me of it. I called Capital One on XX/XX/, saying I didn't wish to have my account closed, as I have almost XXXX reward miles on the card. Capital One said they can not re-open my account. I asked to at least allow me to redeem my miles, because I have had that account for almost 20 years, accumulating all those miles. They refused.
Product: Credit card

I paid the account in full. They added interest charges that I was totally unaware of. I never received a statement of this in the mail. I wasnt set up for Estatements at that time. I was going to make a purchase with Lane Bryant and noticed I had a balance of XXXX something dollars I called them and and paid this in XXXX of XXXX. XXXX came and I still had a balance and XXXX XXXX came I called and paid off the balance. I explained everytime I called that I shoulda never had interest added after the fact I had a XXXX balance. Anything with Bread Financial Ive had credit with has done this. Lane Bryant has ruined my credit to the XXXX XXXX XXXX closed my account and I never missed a XXXX and something balance on payments. They added an interest charge after I paid that off as well that I had to go back and pay not realizing there would be interest added. Im very upset because I have worked years on building credit just to be torn down again. This isnt right!
Product: Checking or savings account

I have a shared ( joint ) account with my wife at Simple bank, with debit cards in both of our names. On XX/XX/2019, I attempted to use my card as a charge without pin and it was declined, I tried again wit pin as debit and still declined, I called Simple who after placing me on hold for approx 1 hour told me that there was a problem with my wife 's individual account ( thats separate from this joint account ) and both accounts in her name was frozen, including the joint account and she would have to call in to get information since they could not give me any information. So she called back in from her phone as they requested, and after placing her on hold for approx 30mins, was told that they dont know what was the problem and would have to escalate it ans someone wound send her a message through the website, the day passed and nothing, no email, no calls. over the next 2 days my wife and I at seperate times made numerous calls to find out the lproblem an have our money releases. I was eventually told that they did not know why the accounts were locked and they are working on the problem, meanwhile they are holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.