23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am applying for a home loan and closing next Friday. I just found out that a current dispute I have has caused a delay in closing, so I called all three credit bureaus to CANCEL my dispute, and Transunion is the only XXXX giving me a problem. First, I do n't understand why this could n't be done over the phone ( as the other companies had no problem with that ) but that is not the worst part. The worst part is I FAXED my request over on Wednesday, XXXX XXXX. I called on Thursday, XXXX XXXX only to confirm that my fax was received. The woman I spoke with would NOT confirm receipt of my fax. She told me I had to wait five days to call back and get status. After telling her several times " I understand it takes five days to review but I 'm not trying to get status of review, I only want to confirm that my fax was RECEIVED, not that it has been REVIEWED ''. She still insisted that I had to wait five days for my confirmation. I told her XXXX times that this was ridiculous and I wanted to speak to a supervisor. She would only put me on hold and come back to tell me that SHE spoke with the supervisor and confirmed I have to wait five days. This is the most ridiculous thing I 've ever heard. What if I wait five days just to get confirmation that my fax was not received. Then I have to fax it again and wait another five days just to confirm receipt. I really do n't think the lady I spoke with understood the difference between review and receipt and I do n't appreciate her ignoring my XXXX requests to speak with a supervisor. It was the worst customer service I have ever experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureau refocus to take wrong infomation off my report i dont bank account with any of this bank listed and i dont own a car or leaseing a car and the mailing address are wrong. Thier are two possible people that have taken and use my infomation is XXXX XXXX XXXX XXXX or XXXX XXXX but. I belive that is done more by ex husband who is XXXX XXXX XXXX XXXX And i had a freeze on my report and know i cant get it back on. I never give these man permmssion to use my credit. I just want the wrong infomation removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This morning, I was caught off guard when I found inaccurate accounts listed on my credit report, and I have no idea how they got there. I check my credit regularly, and this time, errors just appeared out of nowhere. I even refreshed my browser, thinking it was a simple glitch, but nothing changedthe wrong accounts were still there. Im really hoping my documents will be examined closely so I can put an end to this constant worry.
Product: Credit card

Follow-up # XXXX XXXX. Company response didnt provide the reasons why my credit card cancelled. 
XXXX loss of XXXX  days access of the card. Paid annual fee should cover XXXX month term from XX/XX/XXXX to XX/XX/XXXX. Company breached the terms of contract. 
XXXX. The cancellation had ripple effects of my credit score, cancellation of auto payments etc XXXX. Company declined to compensate for the punitive damages of {$100.00} I had requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND EQUIFAX AS WELL AS XXXX TO RESOLVE THESE MATTERS SO NO RESPONSE.
Product: Credit reporting or other personal consumer reports

Found out that I was part of the Equifax security breach and I was wondering why my credit was acting the way it was real funny stuff the last few years and I've had to go through the freezing and unfreezing and stuff was on my credit report that's not even there it's I've never even heard of among a lot of other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask in the name of XXXX XXXX, I pray Santander Consumer USA , Inc., act in good faith and do NOT discriminate. See attachments. XXXX XXXX All Rights Reserved.
Product: Money transfer, virtual currency, or money service

I am havin issue with CASH APP I have an old account that I made a stake in XXXX  through there app and I am getting a run around push the buck. and whwn i called i informed them i was recording rhe conversation and thwn thet could give me access to my account tax records or access back into account. XXXX $ XXXX EMAIL : XXXX phone at time was : XXXX
Product: Checking or savings account

A unauthorized/Scam deposit happened it wasnt meh but they closed my account with no reason given it was nothing but a minus XXXX dollars on there an it was near when I get my check an I was trying to login an find out that my account was locked currently an I called them an they said it was locked or whatever trying to call them about three times they gave meh different reasons one said wait on Monday an the other said that the account was frozen but didnt know the reason an the other said that the account was frozen due to the deposit an the other was like the account is closed an I cant d on nothing about it which is really bad for meh because I have bills to pay..
Product: Debt collection

Repeated phone calls starting at XXXX XXXX until XXXX XXXX  from various numbers. I purchased a bed and dresser from CONNS back in XX/XX/2015. I was making my regular schedule payments up until the beginning of this year due to an unforeseen hardship. Since It was merely a small balance remaining, I requested a payoff. The company refused and wanted me to continue paying the bill.
Product: Mortgage

Primelending. 
My house sold and closed was on XXXX. Mortgage was paid off at closing. 
Over XXXX in escow to be paid to me. No communication from Primelending about my escrow refund. I called in late XX/XX/2021 and was told the check was sent on XXXX but was returned by the USPS ( no tracking number as it was sent regular U.S. mail ). I updated my mailing address with PrimeLending ( although my current home is mortgaged through Primelending so I am in their system but it is a different loan number. 

I have called XXXX and was told it was due to go out XXXX and I needed to allow for 14 business days for it to get to me. 
Called on XXXX ( spoke with XXXX XXXX who stated I need to give it 14 business days as it was processed on XXXX and sent via US.mail. 
I called on XXXX ( spoke with XXXX ) who said it didn't look anything was sent out on XXXX and she would put in a new request. I requested to speak with a supervisor and was placed on a lengthy hold. She came back on and told me that a supervisor was not available as they " are very busy ''. She stated she would have a supervisor call me back. 
Called XXXX ( spoke with XXXX XXXX as no one called me back. XXXX said that XXXX put in a new request and it should be ready by XXXX but they could not overnight it to me or send via certified mail so we could track the payment. I was told there was nothing else that could be done and when I asked to speak to a supervisor, I was told they were going to tell me the same thing he ( XXXX XXXX did. I asked to speak with a supervisor and was placed on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

The are reporting a collection account with XXXX XXXX bank in the amount of {$19000.00} on my Equifax and XXXX  credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple charges on my credit file from first point collection claiming a debt from XXXX XXXX In addition to the accounts timeline over lapping one another this is not my debt. Also XXXX XXXX XXXX are attempting to collect a debt that has already been paid. And my XXXX XXXX XXXX XXXX account was settled through a collection for a lesser amount.
Product: Debt collection

XXXX is harassing me by phone and by mail with a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Credit Acceptance agreed to let me skip a payment. Then they put me being late 5 times on my XXXX, XXXX, and Experian acts. This is not fair to me I never would have skipped a payment if I knew this was a result. I asked them to remove it they would not. I have not ever been late on this acct
Product: Credit reporting or other personal consumer reports

Hard inquiries needs to be removed. Trans Union XXXX are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time Im now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from XXXX XXXX  could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. thank you
Product: Debt collection

Receivable Management Group has put a Medical Collection on my credit report which is a HIPA violation. I have never signed a release for this creditor ( Receivable Management Group ) or any creditor. 
Therefore this is inaccurate HIPA violations and I want these removed immediately. HIPA laws protect my personal information without my consent and Receivable Management Group have been aware of these HIPA violations and has been asked to delete immediately.
Product: Prepaid card

I had a prepaid card with BofA from XXXXXXXX  for child support and than for PUA unemployment . Ive been trying to recover all funds that were stolen but also they sent me my statements and numerous transactions show double or triple charged!!! Now all of a sudden when I call to check balance on either account or to pull funds Im told they cant help me over the phone I have to go in to a branch. Well that would be fine if there was one in XXXX the nearest one is 80+ miles away and I have no transportation and they dont seem to care. So now I cant finish my disputes or collect my funds. Not to mention a claim previously investigated and finalized in my favor they reversed it and wont give it back because they claim I was over paid on that account which is a crock of XXXX! They owe me that {$780.00} or whatever it was. I have allot of money they owe me based off my bank statements and theyre now preventing me from getting any of it back
Product: Debt collection

I have received a notice from First National Collection Bureau which was delivered to the wrong address which i have received very late and immediately contacted the bureau by phone and told that i am not aware of any case in any court and did not receive any notice and warrant in debt and details of debt prior to or after filing of the case or copy of the judgment which they claimed it has been placed with them. I requested them to furnish me the copy of the judgment and who filed the case in the court and the party from whom they purchased the right to collect the debt and after first agreeing to furnish the same email address XXXX did not send it and when i contacted them again they advised me to contact XXXX XXXX XXXX XXXX and find their contact information from their website instead of transferring the same to me. I denied their claim and said that i will take legal action. 
please take suitable action against XXXX XXXX  as i suspect something suspicious is going on.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to purchase a vehicle under the buy here pay here process with XXXX XXXX XXXX XXXX XXXX  car lot in XXXX Michigan. I put {$2600.00} down and was to pay a balance of {$1400.00}. 

I was fraudulently entered into a credit acceptance contract. 
I spoke with CAC supervisor and explained the situation. 

I never signed CAC financing documents, wise auto agent had someone else sign. 

I REQUESTED the original agreement from CAC AND was not provided with the original contract. 

CAC has been reporting to my credit report still unto this day XX/XX/XXXX. 
CAC has violated a number of my rights, called all kinds of nights, and weekends. 
I made a police report. 

The owner of the car company XXXX XXXX XXXX XXXX XXXX in XXXX MI, wrote a contract stating he would accept the balance of {$1400.00} within 6 months and cancel the contract but to no avail. 

I would like Monetary remedy for my damages, from CAC and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS wont allow me to get a copy of my consumer report. I have a right to see what they are reporting on me. They are giving me error messages. They will not allow me to freeze my report either.
Product: Debt collection

I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Franklin Collection Services ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information via a certified, registered and tracked letter ( Franklin Collection Services ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$480.00} ), XXXX ( {$380.00} ), XXXX ( {$660.00} ), XXXX ( {$380.00} ) XXXX ( {$3100.00} ). I also requested that ( Franklin Collection Services ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Franklin Collection Services ) did not respond to this request either.
Product: Vehicle loan or lease

XXXX ACCOUNTS OPENED WITH OUT MY CONCENT * XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$62000.00} FRAUDULENT NOT MINE * XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$66000.00} FRAUDULENT NOT MINE * XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$36000.00} FRAUDULENT NOT MINE
Product: Credit card or prepaid card

I have a Costco Citi Visa credit card. Until recently, my credit limit was {$8200.00}. I have never been late and always paid on time. Recently, I paid off the balance of {$8000.00}. Even though the payment was made via ACH verified funds, Citi delayed crediting my account for several days. This delay in applying bonafide funds to my account adversely impacted my credit profile by showing a higher balance than XXXX balance after the account was paid in full. After I complained, Citi reduced my credit limit from {$8000.00} to {$4000.00}. This act treated me differently than it treated other customers in a similar situation. They sent an adverse action letter stating the reduction was due to having a late payment with another creditor. This explanation is mystifying because this delinquent mortgage account has been delinquent throughout the period I had a higher credit limit with Citi credit. Additionally, During the period I have a higher credit limit, I had a much lower credit score than when the reduction in limit went into effect. This practice of Citi 's conduct is discriminated against me on the basis of my race as being a XXXX XXXX XXXX. Otherwise, no legitimate business reasons exist for Citi 's conduct in adversely reducing the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB!! Please forward the following documents to XXXX XXXX. I'm also including Equifax, since it is the only credit bureau that shows account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine 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 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 OFFICE OF THE ATTY GENER 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: Checking or savings account

When they called me Wells Fargo said I don't have no accounts existing or even having any kind of account they said I was negative in my account which it was fraud account I at the time it was the fraud department did not do their job they end up charging me tons of money like over {$2000.00} in debt when I had over XXXX XXXX dollars in Wells Fargo please help me regarding this matter I have original documents I have the stock of Wells Fargo on my wallet accounts the original stock market stock certificate for Wells Fargo I was given this by my inheritance from my dad please deal with this as soon as possible we continue to have an investigation on Wells Fargo and nothing gets done no one contacts me except one guy at the Wells Fargo CEO Company also wealth Management for Wells Fargo gets hold of me and they say they're not doing anything for me I am the CEO of Wells Fargo and originally hold her because they have authority over me did not make them right I am without food I have Little shelter I'm living the way I can for right now it's not fair enough for me having {$250.00} XXXX dollars and not be able to get a hold of it because they're greed because they want to be power and control I want to sue them the much as I can and continue to have accounts with Wells Fargo that's my grandma XXXX 's name and Fargo Wells Fargo and Fargo got married that's the reason why they joined it together it was called Wells then it was called Fargo because they want power control I want them fired and no longer working for Wells Fargo anymore I want to hire a new crew to do what I asked him to do I'm also in college up in XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX I can pronounce the word because my English is horrible I don't understand my own language please I want something legally action done to it please help me do an investigation all over again I just remembered to come back to you I forget I got hit in the head 2 years ago and it almost died had three XXXX since then I almost lost my life please help me
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Mortgage

This morning I checked my bank account and found that you, Seterus, Inc. had attempted to have funds sent to you from my bank account, without my permission or my knowledge. I never gave you permission to withdraw any funds, much less XXXX from my account, by inference or either verbally or in writing directly! I also do not have any outstanding automatic payments with you, so you have forged a funds transfer document to the bank implying that they have my permission to withdraw these funds from my account! I called the bank and put a stop on that for {$30.00}! I believe what you attempted to do would be considered theft or fraud by deception. I have heard that this is a common tactic by your company and have done this to numerous people throughout the country! 
On XX/XX/2015 I called you, as my mortgage lein holder, concerning my outstanding payments and a letter I received about escrow payments. I had previously made a partial payment for XX/XX/XXXX and had made no payment in regards to XX/XX/XXXX. I spoke with a customer service lady by the name of XXXX XXXX and explained to her that I retired XX/XX/2015 and had yet to receive any of my expected monies since retiring. I also explained that I expected to have money within the next week or so. She said I needed to make a payment in order to avoid penalties and bad credit reporting. I explained that I had nothing to make a payment with. She said she needed to have me talk with an account specialist in regards to my late monies. So she transferred me to a gentleman by the name of XXXX. 
I spoke with XXXX and explained my financial situation to him as well. He said he needed to have a payment by XX/XX/XXXX so that I would avoid late penalties and bad credit reporting. I told him that I did n't have money available until I received some of my retirement funds and I did n't want to promise a payment when I did n't know for sure when I 'd have the money to actually pay it. He verified my personal information as well as my banking information and said he 'd put me down for a payment for XX/XX/XXXX and would call me if the funds were n't paid at that time. At that time I thought nothing more of it than the usual keeping track of outstanding loan holder 's information. I never heard anything else from him. 
As I stated previously, you have attempted to get funds from my bank account by alleging that you had my permission to do so, as you have purportedly done to others. You do not, have not, nor will you ever, have permission to enter any of my personal accounts. I want my {$30.00} back for the stop payment fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.