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

There are accounts on my credit report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Product: Checking or savings account

Deposits that were made was altered later with my online banking. Ex.. my rent I paid to my land lord was immediately taken out of my account the day I paid. It was deducted from my account that day but it did not process until a week later but twice as much was taken out or the money that was taken out seems to not have been taken out until a week later but went to remaining balance in my account when they already took that payment with no record of the original amount taken out. Also the banks statement dont match my record and when I went to the bank they said to call the number on my card and when I did they gave me the runaround. Also extra fee when I have overdraft protection. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

TransUnion : XXXX  XXXX XXXX Balance : {$0.00} This account was paid through my bankruptcy. Continued reporting is classified as a Discharge Violation of the Automatic Stay by Order of federal court. Remove immediately.
Product: Credit reporting or other personal consumer reports

They are reporting late payment I. XXXX when balance was taking cared of and they stated over phone they would send me documents so I can send and update credit bureau and they send me 3 different types of documents they dont update the credit bureau with correct information and send me 3 different types of document it showes I was never late nor had a balance but they they report negatively. I asked that they update and remove the late payment that is affecting my score when I have requested so and they said they would and they do the contrary.
Product: Credit card or prepaid card

I cancelled a newspaper subscription back in XX/XX/2019. Despite my cancellation with the newspaper subscriber, my credit card will still charged on XX/XX/2019. I called the merchant on XX/XX/2019 and they refused to refund my credit card. I called Capital One ( my credit card company ) on XX/XX/2019 and asked for the merchant to be blocked, to which the representative refused to honor my request. She told me that is not a possible thing to do. I spoke with a representative in the Capital One Corporate Office and explained my frustrations. She assured me she will address this and connected me with some " higher raking '' customer service representative. She supposedly blocked the merchant and honored a final credit of the unauthorized amount that was charged to my account. I never initiated a dispute, but apparently Capital One did so on my behalf. In a final resolution letter dated XX/XX/2019, I was specifically told the following : " Your credit will remain on your account, and there's nothing you'll need to do. At this time, we consider your case closed even if we provide you with additional details. '' However, on XX/XX/2019, my credit card account was re-billed for the " disputed '' amount stemming from the XX/XX/2019 merchant block request. I spoke with a customer service manager on XX/XX/2019 and was told that the merchant was never blocked from my account and Capital One decided to re-bill my account based upon a refund from the merchant ( back in XXXX, not related to this dispute, and known at the time of final credit resolution ). At this time, Capital One refuses to honor their final credit.
Product: Mortgage

I applied mortage  from Chase.  The loan number is ...  XXXX .    1. W hen I started my mortgage on  XXXX   XXXX . Nobody told me there is a risk that the credit report would expire on  XXXX  17. I asked  XXXX   XXXX . He told me just close before  XXXX   XXXX .  XXXX  informed me the credit report and additional cost on  XXXX  17.    2. Chase is  too slow. I followed up my loan processing almost every day. Usually, only 30 % emails were replied only if I cc to the supervisor.  XXXX  and  XXXX  could not get update then they just ignored my email. I have kept all the emails as proof. If  it Chase delayed my loan process, not me. For example, for the employment oral verification, after almost one month , I was told, they could not find the right number and email of the person in charge of this in my agency. We are   XXXX   XXXX  .  Chase  could not find it. Then I emailed to  XXXX  and  XXXX  and all the people involved in the loan application in Chase. But after 3 days, I received a call to ask me to verify my employment history for myself. I told her, I am the applicant. I can not verify for myself and told her the email again and again. After 2 days, I received the same call to verify the employment history for myself. then I told her again. It is so ridiculous. All these stupid things delayed my loan process. Another example, when I asked  XXXX  my loan process update.  XXXX  replies " is finishing up ''. Then the next day, I followed up, he replied '' once the underwriter has any update, I will notify me ''. Then the next day, I asked '' usua lly 24-48 hours, I estimate .... '' Then another day, I followed. He replied '' ... is the best estimate '' Then I wrote " please tell me the exact deadline. not estimate. Please do the multiple choice : a. is waiting for the review. b. is reviewing c. has finished. I am not a native speaker. I do n't understand what is " is finishing up ''. Do n't play words games with me. '' Even if my credit report expired. It was because Chase ignore d my loan. Sometimes, I emailed  10 times, no one re ply. I called  XXXX   10 times, no call back in 3 days. If Chase did n't refund { $2900.00}, I would sue in the court.   And all the emails are kept as records.
Product: Debt collection

United Revenue Corp collection is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. I paid XXXX XXXX XXXX off many years ago. I contacted United Revenue Corp and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/2016 and that it was last active XX/XX/2016. That is false. 
This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. The account was for XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized businesses on my credit report.
Product: Money transfer, virtual currency, or money service

I recently became aware that my father was the victim of an online dating scam. We have so far uncovered {$60000.00} in losses, and Im sure there will be more discovered as we dig further. He was using Money Grams to send cash, and the vast majority of these were purchased at the same XXXX in Ohio. He was sometimes sending multiple money grams in the same day, and he would also send them several days in a row. I find it hard to believe that none of the employees recognized this pattern or thought it was odd behavior, yet it continued to happen for a year. In fact, he was in the store so often that he knows the employees by name. I currently have 138 receipts, totaling {$59000.00} and counting - way too many to attach here. And a bigger concern for me is this who knows who he was truly sending money to? These people claim to be young women on a dating site, but no one can know for sure. Was this money going to a XXXX scammer or to someone much worse? This is terrifying to think about. While it makes me sick to think about how someone took advantage of my father in this way, I also want to take whatever steps I can to ensure this doesnt happen to someone else. Are there steps in place to educate these employees on what to look for? How can they intervene? Can they notify authorities of unusual behavior? They should have to take some sort of responsibility as well. Scammers are becoming more advanced, and there need to be some safeguards in place to protect those that are getting taken advantage of. In my opinion, the employees that were sending these 130+ money grams need to be one line of defense. I appreciate your time, and I sincerely hope you can look into this matter further and stop this from happening to someone else.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that i dont recognize
Product: Payday loan, title loan, or personal loan

I received a loan through this lender and eventually could no longer afford to pay the amount I was paying because of my income drop. I tried to go through a third party for debt consolidation and was told that the lender would not accept my monthly payments I could make because it was lower than what they wanted which was about $ XXXX. The lender than filed the claim to sue me in court in their County XXXX XXXX XXXX ) which is not the County I reside in, making it impossible to attend court. I was never properly served by Kwikcash. I then received a letter in the mail from my employer for a wage garnishment in XXXX XXXX. I tried to attempt to request a lower payment in the beginning of XXXX with Kwikcash by calling and was supposed to get a call back and never heard from anyone so I filed a Claim of exemption since I have to support myself and two children under age XXXX and the judge in the County of the lender 's denied my claim. I was sent instructions by my employer that I would receive a letter in the mail on the date of the court hearing in regards to my Claim of Exemption but was never sent a letter. The only letter I received was a letter that the judge denied my request. I was not given a chance to even try to arrange to attend the hearing and submit financial proof that I can not afford this wage garnishment and am falling behind because of it. It is unfair that I was not properly served, I never received a letter in the mail regarding the hearing to attend court to prove my case, and I am unable to have this wage garnishment stopped especially with two XXXX children who require my support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXXXXXX XXXX, the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my federal student loan because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The Federal student loan system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into XXXX, XXXX, and Experian they list a total of 4 to 5 Derogatory Federal Student loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted XXXX, XXXX, and Experian in writing about this in fair and negative information
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE LETTERS WERE SENT TO NAVIENT FOR {$15000.00}, XXXX XXXX {$110.00}. AND XXXX XX/XX/XXXX AND NAVIENT AND XXXX AGAIN XX/XX/XXXX. NAVIENT AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO XXXX XX/XX/XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR NAVIENT WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XX/XX/XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) NAVIENT HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND NAVIENT RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX
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 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Eastern Account System ( EASTERNACCOS ) 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 an account without my written instructions. XXXX XXXX ( They continue to open and close this account, as well as the dates, continue to change, I have disputed this account multiple times. Spoke with XXXX, XXXX, and XXXX. It is still on my account. )
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Product: Credit reporting

hard credit inquiries that i did n't submit XXXX XXXX BANK XXXXXX/XX/XXXX XXXX, XXXX XXXX BANK XXXX XXXX, 2015 XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Clothing Stores XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXXPersonal Loans Cos. 
XXXX XXXX IXX/XX/XXXX XXXX, XX/XX/XXXXMiscellaneousTelephone Companies XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX, XXXXMail Order Firms XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

how are you l want to remove this collection I never make business with this agency before. ( XXXX XXXX XXXX ) I need they show me proof when i make this purchase if your can help to remove this from my credit report by law they have 14 day for show me proof if not I need to remove this collection from my credit report this a fraud some body take my XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. & 1681 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.
Product: Debt collection

I signed a lease with a credit card processing company for 3 years, I was told that the equipment lease was going to be the same number of years, but it got buried between lots of pages in the package, it started ta get scary when I made a transaction for several thousands of dollars off my client but the processing company was holding the funds without telling me, That companies name was XXXX, which was at that point not working on releasing the funds, I asked my client to call them and beg them to deposit her money on my account so I can order her products to fix her rental house, it took about a week for us to get the money transferred, I am loading copy of letter, I went ahead and stop all transactions with them, my lease was finished, it took three years then I found out that I wasnt able to finish the equipment lease, it was one year longer, besides The fact that the thermal paper was not working and I complained several times and never got any help I was ready to finish it, I packed the useless processor back to them, I upload copy of shipment and proof of receipt, furthermore they kept taking monthly payments from my business account, I got a few returned but they had no intention to stop so I had to block them off of my checking account, in exchange for my reaction they gave my a bad credit record which I want to have them removed immediately.
Product: Mortgage

I applied for a loan modification with SLS, my primarly mortgage lien holder in XX/XX/XXXX. I signed and notarized the loan modification agreement per the lender 's terms and mailed the entire package back to SLS inXX/XX/XXXX. I have been making monthly mortgage payments per the terms of the modification agreement for the past 3 months at $ XXXX/month. As of todayXX/XX/XXXX, SLS has either refused and/or delayed execution of the loan modification agreement that I signed inXX/XX/XXXX. When I contact a SLS representative 1 week ago, I was told the loan modification agreement which I had signed and notarized would not be honored by the investor and certain terms in the loan modification would be revised. I now believe this is a bait and switch scheme to entice me to sign and notarize a loan modification, accept my monthly mortgage payments per the terms of the loan modification, and then withdraw the loan modification agreement to substitute with less favorable terms that would leave me with no choice but to accept.
Product: Checking or savings account

I have been a long time customer with Wells Fargo for over 11 yrs now. I was with this company before but I left and I couldn't recall why I left but now I do. The poor cmer service and lack of professionalism. Today I went to deposit {$500.00} in the ATM and jammed occurred. I input the amount I deposited which was ( XXXX ) XXXX XXXX  bills. The atm stated that it would credit my account XXXX and it would take two business days to review. I immediately became very upset and contacted customer service. I requested to speak with a supervisor. The supervisor by the name of XXXX stated she would get me on the line with someone that can help apply a temporary credit after I explained I needed the money for utilities, gas, and food. As well, as with no money I have no way to get to work that I'm scheduled to work the next three days. She transferred me to a department that was closed. I called back three different times and no help. Called back to file complaint spoke with a representative who did not listen, was very rude, and kept basically telling me " Oh Well ''. Wells Fargo is absolute worst!!!! Why would you have a department that is not open on the weekends that handles these issues. That's like saying you only have issues Monday thru Friday. I need to my money corrected, I need to be compensated for time missed as work since I have no gas to get there. Any fees I occur or penalties need that credited as well. This is the 2nd issues I have with this company in the last six months. Between XXXX they allowed a scammer to take {$700.00} from my saving account and did nothing to assist me with getting my money back. After seeing many of the complaints and the constant discrimination, just wondering if I was of a different race with the same issues would the results have been different. There needs to be ( another ) investigation opened to review the practices and policies. I need my {$500.00} the ATM stole from me and I need my {$700.00} the bank allowed XXXX Scammer to take from me
Product: Credit reporting

XXXX XXXX XXXX did not correctly validate and verify the information on my report. HEPA laws prevent this company from excessing my medical information. Please provide the information that caused you to report this information on my credit report according to the ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.