23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was a victim of fraud because of CashApp. I tried to resolve this issue with CashApp at the time this occurred, but CashApp refused to investigate the fraudulent purchases. I called the credit card issuer ; I was told to contact CashApp. I was tired of the runaround.
Product: Credit reporting or other personal consumer reports

XXXX XXXX balance of {$1800.00} XXXX  XXXX balance of {$3600.00} XXXX XXXX XXXX balance of {$11000.00} XXXX balance of {$4700.00} XXXX XXXX XXXX XXXX {$0.00} All of the above should have been removed from my reports the same time the derogatory information was removed XX/XX/XXXX I only have XXXX Credit Card and it is a XXXX XXXX XXXX  with a {$300.00} limit. I don't use credit. 

The Hard Inquires need to be removed I have not applied for any credit aside from my car and house and those I will not list for removal. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This needs to stop, I have never seen this dirty mess before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 age can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been issued credit from Concord Financial nor have I ever surrendered property or had a repossession. However, I recently terminated a right to use timeshare contract that was executed in XXXX, XXXX XXXX that had a payment processing company in the United States, Concord Servicing, but I dealt directly with XXXX XXXX in XXXX to legally terminate the foreign contract and note according to their terms. I was told in an email, prior to termination, the the contract and note would be cancelled if the right to use documents were terminated. We have never used the XXXX timeshare due to recent events with COVID and international travel warnings.
Product: Credit card or prepaid card

Discover closed both my credit card accounts with no notice and no reason. When I called they said it was a " business decision '' and I would like my accounts opened backed up. I have a savings account with them and I feel I have been mistreated when I had over $ XXXX in a savings account for most of last year.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. 

I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries. 

The transactions in question do not reflect my creditworthiness and may not be legally reportable.
Product: Checking or savings account

On XXXX we called USAA to report fraud on the account. After multiple days of waiting 3 or more hours for someone to help us, we get a denial letter stating that we were liable for these charges. This is after calling the police, filing fraud charges and telling USAA that the police were waiting for them to contact for an investigation. USAA would not let us talk to the fraud department, and they did not call the local police department to follow up, how did they do a through investigation? This company is a liar and I will make it my mission to deter all my fellow Vets for using this horrible company. They care NOTHING for Veterans
Product: Vehicle loan or lease

Yesterday, I went to the XXXX XXXX of XXXX, XXXX, TX to trade in my XXXX XXXX XXXX for a certified preowned XXXX XXXX XXXX XXXX. The process took several hours and when I finally met with the finance person, he was overwhelmed with loans and was pressuring me to hurry and sign the paperwork. I was NEVER shown the itemized breakdown for these charges. 

I was only shown separate papers with the agreed upon price of the car, the pricing for maintenance plan and warranty, my trade-in value, interest rate and my monthly payments based on that information. I had to agree to each of them separately. 

When it was time to sign the official documents, the finance person switched between two different screens, a tablet and computer screen, to have me sign the documents. I think he deliberately hid the full view and tried to confuse me about what I was signing. 

He said he would email me the entire document. When I finally saw the document in full after the dealership was closed, I realized that I was overcharged and even charged for items I never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX/XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance Owed : {$0.00} This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX Balance Owed : {$0.00} This account does not belong to me, please delete this account. 

XXXXI XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called TransUnion in regards to fraudulent inquiries that I noticed on my credit report. I followed up by giving them a phone call and the customer service representative quickly dismissed the issue and said to include an FTC report so I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : XXXX, XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX XXXX opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX XXXX. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 XXXX XXXX XXXX This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.
Product: Mortgage

My Husband and I used our builders recommended mortgage company ( Academy Mortgage ) because he had a good relationship with them. We came to find out it was to good and Academy Mortgage was looking out for our builder and not us. 
We got the loan and started our build. Our builder dug a full basement and our plans are for a daylight basement. The builder poured our basement when we were out of town and when we returned we could not believe what he had done. We immediately called our loan officer XXXX XXXX and told him that this is not acceptable. I emailed XXXX pictures and told him not to pay the builder because this was what our plans showed and in closing on our loan the documents clearly say if any changes where made there needed to be a change order signed. After emailing XXXX time after time he told me that i needed to take this up with the builder and he couldnt help us. I expressed with him that i was going to get an attorney. XXXX then went and relayed this information to the builder which is very unethical. XXXX then sent me a email telling me he could not talk with me anymore about our loan and that i needed to speak with Academy 's legal department. Academy paid the builder. I finally got a spreadsheet from Academy and i noticed double charges from the builder and Academy didnt want to help clear them up. I went to the subcontractors and had checks made back to Academy for these charges. Academy Mortgage also paid the builder more than the contract stated. When this was brought up to Academy they offered us extensions on our loan free of charge. We had fired our builder and needed to figure out what we had to do. Academy also paid in full and delivery charges for windows for this home and all we had was basement walls. Our closing documents say that all materials needed to be installed and inspected before final payment would be made. We have so many other complaints about Academy Mortgages ethics and business practices. It is clear to us that Academy Mortgage did not manage our money with our best interest in mind. Academy Mortgage was looking out for our builder.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX  XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # 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 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 item 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: Credit reporting or other personal consumer reports

I am requesting that XXXX  XXXX be removed from my credit report. The account has been charged off which means they received payment for the account. They are still reporting my account negatively on my credit report, which is illegal. They have made financial gains from my account and therefore can not negatively report the account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX-XXXXXXXXXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX  XXXX XXXX {$1900.00} XXXX   XXXX XXXX XXXX {$51.00} XXXX XX/XX/XXXXXXXX {$970.00} XXXX XX/XX/XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$4800.00}
Product: Credit reporting or other personal consumer reports

I had XXXX treatment from XXXX  to XXXX  and some of the debt from that time is still appearing on my credit file. I am not sure how to even start to remove this from my file. I understand that the new laws concerning medical debt state that it should not appear on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I had an appt with Wells Fargo on XXXX XXXX to have my safe deposit box of 25 + years drilled into because I had lost my keys. The bank had also lost all records concerning my box including my contract and signature card recording any history of activity. There was much confusion among the WFB team in locating my box as there were so many boxes with the same number as mine. In fact when they thought they 'd located it I stated that it was n't mine as it was n't located in the main vault where I knew it was. They insisted and upon drilling open the box we found it empty. I was told that after the fact the bank drilled into 8 more boxes trying to locate mine. The bank personnel conducted an investigation for over 3 months. Mid-way during more than a 3 month investigation the district manager made an offer for my lost box and contents to reimburse me for the fees paid over the years and {$1000.00} for compensation. I refused the offer yet the bank took it upon themselves to deposit the paid fees into my account without my permission. I then received a call from the regional manager based on my insistence because the offer was completely unsatisfactory. I 'm sure he stated this debacle was indeed the bank 's responsibility. He further requested that I provide an affadavit of the contents ' value, to the best of my recollection, as it had been years since I opened it. He stated that the bank wanted to come up with compensation commensurate with not only the value but the situation. After the regional manager met with his team, he changed his position and claimed that the box drilled into during my presence was mine. Yet when I asked how could it be if he himself confirmed to me that WFB could not locate my box. and with his team they 'll work on a compansation hopefully to be satisfactory for me. He stated " it 's what it 's "
Product: Checking or savings account

Wells Fargo charged me 4 overdraft fees for {$35.00} each. First, an accidental payment for {$1300.00} was returned NSF ( fee charged ). But first, they deducted it, causing 3 other items to overdraft, charging me 3 additional {$35.00} fees, then returned the XXXX to my account, but now I am STILL {$130.00} down due to their banking practice. If the item was returned, the money was there for the other payments. The other issue is with it " appearing like '' your account will overdraft, so they charge you a fee. There is a class action suit for that now.
Product: Debt collection

On XX/XX/19, after filing a complaint about Account Resolution Services, I learned they are trying to collect a debt that should be issued to my daughters father. Im not married or never was married to her father. We do not live together. My daughters father XXXX XXXX, received all the bills, signed financial responsibility for this debt. The bills went to his home address, and he did not pay them. Account Resolution Services put this debt on my credit report not XXXX XXXX credit report. I was never given the opportunity to resolve this and now they are not reporting accurate information. The debt is for XXXX XXXX. I did not sign financial responsibility for this debt, this was not on my insurance. Why is this not on his credit report???!!
Product: Mortgage

Veritas Funding ( XXXX XXXX  XXXX ) sent me an official/government-looking letter in the mail insinuating that I have " Adjusted Available Funds '' in the amount of {$3200.00} on my current mortgage with XXXX Loans. This letter reeks of a predatory lender tactic and this company should not be allowed to use this very deceptive tactic to lure unsuspecting customers.
Product: Credit card

Wells Fargo charged me {$29.00} for late fee on XX/XX/year>. However, I did make a payment on XX/XX/year>. The representative I worked with input the account number incorrectly, and they confirmed that the payment went through. But that was not the case, the payment didn't go through, and I still got charged. I called again to get my Fee waived, but none of the representative is able to help.
Product: Checking or savings account

On XX/XX/XXXX  i responded to an email from Chase Bank for a new Checking account with bonus. I completed the process satisfactory. The next day i received an email from Chase Bank telling me that couldn't open a new Checking account for me and i have to go to one of their branches for Verification. On XX/XX/XX/XX/2023i went to one of Chase 's branch in XXXX. Their employees were Rude and Unprofessional for having me wait for long time and for their Bad attitude. Finally they couldn't give me any explanation of why they Refused to open a Checking account for me. This is another proof that Chase Bank is a Racist and Criminal Company Discriminating as for whom are going to open an account plus they are Defrauding customers in many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae sold my student loans to XXXX XXXX AND I paid them in full with a 1099A which finances the loan for pay off and set off. Since the loans are off Sallie Mae Books they should not be reported like they are still owning the loan themselves. What i want for them to do is stop reporting the loan and remove the items from my credit report becuase they sold the debt to XXXX XXXX and no own it. 


XXXX  XXXX was paid with a 1099A and is committing trust fraud bank fraud and money laudering etc which i will be reporting to other companies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed a complaint to update my personal information and I provided all documentation needed to verify who I am. The complaint # XXXX has taken more than 30 days and the issue is not resolved. Below I have attached documents to show what information should be updated or removed.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general
if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX TransUnion & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report.
Product: Student loan

I've made all of my payments due, before Covid and after the federal pause on direct loans. I've paid over double what the required payments were since the pause was lifted. Edfinancial has capitalized {$1800.00} of interest that never should have been there and I can't get anyone on the phone to understand it. I can't have capitalized interest when I've paid the full amount due and always on time. My current balance goes up every day when I log in even though I'm current and ahead of schedule. It is an amortizing loan with equal payments over 10-years. The amount due covers principal and interest. I requested a payment history over a month ago and never received it. I call again and they tell me it could be 30-days before they get to my case. They are not equipped to service these loans and it is costing me money. My next payment will be due before they can even look at this and correct it. They expect me to make payments on balances they incorrectly added to my loans. A 30-day turn around time for loan servicing is ridiculous and it should be criminal to administer these loans with no infrastructure to do so in an effective/efficient manner.