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

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unauthorized inquiry to my credit report dated XXXX card service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i didn't do. According to the fair credit reporting act any unverified or inaccurate most be deleted. also according to the fair credit reporting act they have 30 days to respond so by law these unauthorized must be deleted
Product: Checking or savings account

Wells Fargo bank On XX/XX/2022, I received a letter from wells fargo, stated that i need to go to a branch to present my ID m, because there were a discrepancy on my identification. 
On XXXX XXXX i went to a Branch. ( XXXX XXXX branch ) with my Florida Drivers license, my debit card. The banker updated the information into my profile, changes were made that day ( letter attached ). 
I received a second letter with the same problem, I called the bank, explained that i went to the branch, and they say, you are right there is a note here that you went and you profile is updated, please disregard 2nd letter. 
On XX/XX/2022 my card was declined when trying to by lunch, then declined from XXXX, I called the bank and i was told that i need to go to a Branch. 
On XXXX XXXX went to a branch ( XXXX XXXX ) explained that my information was updated since XX/XX/XXXX. She was very nice we spend 2 hours talking by phone with many people, no one understand what was going on on my account, at they end they found out that the person that first updated my information on XX/XX/XXXX. Filled out the information on the incorrect fields ( no my problem, I went to the bank and i did what wells fago was asking ). But at this time on XX/XX/XXXX the issues was unable to solve. 
On XX/XX/2022 went to a branch ( XXXX XXXX  ), the banker was also very nice, he was frustrated and about to cry with me, because the same issue, he called maybe 5 different people, explained the same situation, with all my documents ok, and they are about to closed my account because my profile was never updated. 
We are on XXXX and Wells Fargo bank is holding my found because on of their employees made a mistake. 
I have payment going on, who will be responsable if the payment is made late??? 
Im frustrated, and really to take this into a legal action. 
I appreciate you help
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX & XXXX XX/XX/XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.
Product: Debt collection

I was sent a bill for XXXX with zero explanation. I had not been provided service for a YEAR from this location. When I contacted them, they said it was for a denied service from my secondary insurance. I asked for verification of the service, the denial and all information proving I owed the debt. Instead, they sent me to collections. They did not verify the debt, they continued to attempt to collect on a debt not verified. 
I have made numerous attempts to collect the information to verify the debt, including contacting their XXXX party business management office in California. I have called them repeatedly as well.
Product: Consumer Loan

My ex wife was awarded a car in our divorce and is not making payments yet I am the one that the creditors call and harass my credit has already been destroyed I just want it to stop and why does my credit have to suffer
Product: Debt collection

The original creditor was XXXX XXXX. I owed was about $ XXXX as of XX/XX/XXXX. The last payment date on this was XX/XX/XXXX. 

I lost my job due to a work related XXXX and then lost the income from that as well. I am not sure how XXXX XXXX XXXX is involve, but I received no notification that they were filing a judgement against me. XXXX XXXX XXXX filed the judgement against me on XX/XX/XXXX in XXXX County Dist Court, Docket # XXXX in the amount of {$12000.00}. I did n't even know there was a judgement until I tried to refinance my home in XXXX of XXXX. At that time, the loan officer informed me that it was on my credit report. We did research and found that XXXX XXXX XXXX XXXX   has the file and the total amount they are charging me now is {$19000.00} as of XX/XX/XXXX. I have attempted to correct this with them, however, they continue to tell me that I need to speak to one person and that person is never available and will not return my calls. I have the information that they requested and I do n't know what they have done with it. 

They sent me a statement dated XX/XX/XXXX, told me in that letter that they are representing the XXXX XXXX XXXX, that my account number is XXXX ( they did n't even give me my entire account number ) and their file number is XXXX and told me that the amount owed is {$19000.00}. 

I have attempted on several occasions to correct this issue and have received no help in return. Instead, they continue to charge me 8 % interest per day and a $ XXXX/mth late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuses to remove inaccurate bankruptcy information. XXXX has removed it, so should this reporting agency.
Product: Student loan

In XXXX, I called my loan servicer, Edfinancial to request a refund for payments I made during the national emergency student loan payment pause, totaling {$1400.00}. Edfinancial would not give a timeline for processing of the refund, but said they would submit it to the Department of Education. I later noticed my loan balance had been increased by {$570.00}. I have not received any form of reimbursement, and my loan records show no indications of a pending refund. On XX/XX/2022, I called Edfinancial to inquire about the discrepancy in the adjusted balance. I was told that a request had been sent to the Department of Education for {$570.00}. Upon review, the agent at Edfinancial saw the mistake and said they would correct the refund request to reflect the correct amount as {$1400.00}. I clarified with the agent that they would not be requesting {$1400.00} and was assured that only the difference would be requested. On XX/XX/2022, my balance had once again increased, but by {$1400.00} on top of the initial {$570.00}. Calling on XX/XX/2022, Edfinancial has not been able to correct the situation. 

Edfinancial 's error is artificially inflating my debt, doing tangible harm negatively impacting my credit report. I'm additionally concerned that the {$570.00} increase does not reflect the actual refund of a loan, and Edfinancial has been unable to tell me how this increase is divided amongst my loans, which have varying interest rates.
Product: Mortgage

Hello Team, I have mortgage loan with PNC bank which is recently transferred from XXXX. My complaint is regarding the PMI removal from my loan. I closed my loan originally with XXXXXXXX XXXX and that time they mentioned me that my PMI will automatically be removed whenever my LTV resches to 78 % so I made additional principal payments and now when I requested bank to remove the same they are asking to do appraisal and as per their document the appraisal value should come to more than my buying price of the property. 
Please find attached document for your reference. 
Original Loan Amount : {$330000.00} Current value : {$290000.00} Whenever I try to call customer care they give different answers and not willing to remove my PMI insurance even this is mentioned in my loan. Please help to resolve this issue. 

Regards XXXX
Product: Credit card or prepaid card

I, as a federally protected consumer, have reached out to Capital One 3 times via certified mail in regard to 3 accounts and requesting information in which I have yet to receive neither a response nor the documents and information in which I requested. The certified mail for each separate correspondence is posted as received on XX/XX/2022 @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX - partial account numbers ****XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

On XX/XX/22 and XX/XX/22 the following companies illegally accessed my credit report by processing inquiries without my knowledge or consent. I have no knowledge of who these companies are. They made numerous inquiries on my credit reports on both days. 

On XX/XX/22 and XX/XX/22 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX at around XXXX pm I received a text saying it was my bank and it said if I attempted a transaction at a target and it also said that if it was me to disregard the text message but if it was not me to reply with a no in which I did, after I replied with a no, I got another text saying a representative from my bank which is chime will be calling me, a fee second later I received a called which I answered and the person I spoke to told me it was my bank and XXXX  telling me that it looked like someone had access to my account information and they told me I had to get a new bank account number, I didnt suspect any of it cause they never asked me for any info, they already knew my name, my home address, my phone number and my email so I never suspected anything until the very end when supposedly they we walking me through steps to get a new bank account I end up finding myself sending money {$380.00} to someone else and it was too late to react cause they hang up after I figured it out so I called my bank told them what happened and send them enough proof and they denied my dispute XXXX times which I see unfair cause I gave them everything they needed to know that I got scammed since them Ive been trying to get my money back and they keep asking for more proof which I do not have cause I never thought I was getting scammed. I just need my money back cause I need to pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I filed for Ch. XXXX  b/k in  XXXX    XXXX  .  XXXX   XXXX  and  XXXX  both list this correctly. However, Equifax refuses to show this correctly. They show a Ch. XXXX  bankruptcy, which never occurred, causing us a hardship when applying for credit. I have repeatedly tried to contact them to no avail. Ca n't get through via phone, and their online dispute process never actually works - just error messages.     Additionally, Equifax lists several of our creditors as included in the non-existant Ch  XXXX  bankruptcy. Again, disputes filed, no resolution. Please help!
Product: Debt collection

For about a month, I have been getting repeated calls from XXXX in an attempt to collect a date. 

Call Log as follows : XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX Answered, I asked them to stop calling, I was told that their business practices allow them to keep calling to which I replied that Colorado state law supersedes any and all business practices that might be allowed in other states or otherwise. I blocked this specific number XXXX XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited
Product: Payday loan, title loan, or personal loan

I am reporting to that I am a victim of Predatory lending. In XX/XX/XXXX, I got a 2nd mortgage from BBT to pay off my large balance credit cards and to consolidate all the charges. All my credit card payment was returned by the BBT and I was charged insufficient fees with each return draft. I went to BBT to inquire why my payments was not honored. I was informed that I did not transfer the funds from the holding account to my checking account. I corrected the error and resubmitted my credit cards payments. On XX/XX/XXXX I was notified by the credit card company that my payments was returned for the seconded time and was charged fees by the credit card company for the non-payment for the 2nd time. The funds was and still is in the checking account so I don't understand why these charges was not honored. I spent many hours calling BBT and the credit card company to figure out why my payments was returned. The out come was no resolution. I am almost XXXX years old and trying to pay off most of my financial obligations. My recent evidence based BBT encounters seem like that I am been penalized when I try to decrease my debt. 
I thought I could use my home equity to get this done. 
I am getting the feeling that these BBT variance is to make me lose my home and keep me in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked to have removed A- item for {$200.00} that's over 7 years old from XXXX XXXXXXXX bank that was purchased by a debt recovery company called portfolio recovery it was removed by the credit reporting agency XXXX but it still remains and is retained on Equifax so I'm trying to get it removed repeatedly and they just keep updating it but don't remove is it shown as an old account but a negative account and it is on a ring my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bill for account SHELLPOINT MORTGAGE SVC, XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit card

I received a phone call at my place of employment from macys credit card company that i need to make a payment and i was very upset with XXXX thing, first i do not have a macy 's credit card second they had called to my place of employment. i told the lady they have the wrong person and told her that do not call me back ever again. But she got a little rude which made me to hang the phone on her. This happened on XXXX 2015 and since then I had filed a police report I had send letters to macys stating this account is not mine also disputed the account with credit bureaus. Macys has not done anything to satisfy my request as a consumer whos identity was stolen they keep sending me the same letter saying that they have received my recent correspondent regarding a macys account and my letter has been forwarded to their fraud investigation and some one from fraud department of macys will contact me regarding my concerns. as of this date I have not received any phone calls regards to this urgent matter. only thing I have got from macys is bunch of promises with the same generic letter but with a different date on it. please help me to resolve this matter.
Product: Mortgage

HAF PROGRAM WAS PAYING MY MORTGAGE, AND ALL OF THE SUDDEN THE PAYMENTS STOPPED, NOW MY MORTGAGE IS BEHIND 4 MONTHS BEHIND.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am writing this letter concerning the following XXXX Capital One accounts : XXXX, XXXX & XXXX. I, XXXX XXXX have the right to make sure my private information is not shared on the platforms of reporting agencies. Capital One is in violation of XXXX CFR XXXX ( a ) ( 1 ) ( i ) ( ii ) ( iii ) ( iv ) and ( 2 ). Capital One disclosed my non-public personal information to non-affiliated third parties which includes XXXX, XXXX and XXXX. Capital One did not provide initial notice of disclosing my information as required by XXXX XXXX XXXX. Neither did Capital One provide me with an opt-out notice as required by XXXX CFR XXXX. Certainly, I was not given a reasonable opportunity to opt out before my non public information was shared with the non affiliated third parties. Firstly, Capital One must prove that XXXX, XXXX and XXXX are affiliated third party companies. Secondly, Capital One must prove that I XXXX XXXX was given initial and opt out notices before my non-public personal information was shared with XXXX, XXXX and XXXX and provide proof that I had a reasonable opportunity to opt out. If Capital One fails to provide documentational proof, it is a clear violation and non compliance of the Limits on disclosure of nonpublic personal information to non affiliated third parties. As a result, Capital One should IMMEDIATELY desist from sharing my non-public personal information to non-affiliated third parties such as XXXX, XXXX and XXXX. XXXX XXXX, Without Prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had health insurance I went to a hospital that accepted my health insurance I left the hospital I lost my job 2 years later the hospital bill showed up on my credit report Noone attempted to to collect Insurance company did not inform me that the was not going to pay This was a non emergency hospital
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card

I made XXXX balance transfers to my Elan credit card of {$300.00} each from my XXXX and XXXX cards. Their system sent XXXX transfers of {$300.00} to XXXX and XXXX transfers of {$300.00} to XXXX for a total of XXXX balance transfers which gave me account credits on both cards since I owed less than {$600.00} on each. When I called and asked them to correct the problem, or refund the additional {$11.00} for each extra balance transfer they informed me they do not negotiate balance transfer fees, insisted that I had made the error, and told me the only way to reverse the charges is to have my other cards return the balance transfer. I called XXXX to ask for XXXX of the transfers to be returned, and they informed me that it is not possible because it came through a credit processing company, not as a charge. I would have to pay 2.5 % for XXXX to send the transfer back as a balance transfer. XXXX also told me that since is it is a balance transfer, which do not have the same rights as purchases, that I can not dispute the charge nor can they return it. Both XXXX and XXXX told me the only way to reverse the charge is for Elan to do it.