23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Every month there has been money taken out of my account by well fargo for fees that are unexplainable when asked about
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, TransUnion has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( 3 ) I am a federally protected consumer who has been violated. TransUnion has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( 1 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( 1 ), 15 U.S. Code 1692d ( 2 ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill for XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXX XXXX Ending in XXXX for the amount of {$190.00}. I have no such card, I did not apply for this card. I have never activated this card. I have never received a card. I have never made a charge related to this card. Capital One has closed this card and is investigating the charge made on XXXX XXXX, 2017 for XXXX ( {$190.00} ). Awesome Capital One. I do not have cable in my home in any form. The problem is that they state that this charge will remain as part of my credit bureau for 60-90 days. I 'm in the process of moving, this will report as a delinquency as I pursue that process. Capital One is falsely reporting this card and charge on my credit bureau. And will report it as delinquent as of no payment XX/XX/XXXX the pay date on the letter. The supervisor XXXX and rep. XXXX eliviated themselves of any responsibility as to what they could do. I advised them to remove the charge completely until investigation was completed. They stated they could not do that. Even stated that someone was keeping up the account. Which was incorrect as this bill states XXXX for prior payments and balances and the only balance is the charge of {$190.00}.
Product: Debt collection

For multiple reasons I have concerns with this account the first is that I never received any documentation that this account was being placed for collections. 

My other concern the debt that was on my account is a result of a workplace injury. I initially disputed as soon as it was placed on my XXXX account and it was removed immediately. At the time I did not know that I was unaware that I needed to dispute with every creditor. I recently disputed with XXXX  and the company simply send back that the account is accurate and undated the months reported to have 11 months per year state No Data. I then reached out to XXXX  again and the result was the same. I called XXXX and the representative told me that " she doesn't know what XXXX  or XXXX does but XXXX  doesn't do any investigations. '' I was only able to dispute the account again. 

To date the account has not been removed from my account it is totaled at XXXX dollars and is held through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me, and I firmly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly eliminate them from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and account status. I believe it was reporting in error. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I hired XXXX XXXX XXXX to help with settling our debt. Through them, we settled the accounts and I paid Capital One Credit Cards off. I have been getting numerous letters from debt collection agencies trying to collect on this debt. When I send them a fair credit reporting letter requesting proof of debt and supply them with the paid account information, they sell the debt to another company and the cycle is continuing and the debt is being reported as though the credit card is still active and payments are late. The account is not still active and it has been settled and paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have registered with XXXX  and Experian. XXXX  will not display my information on their website so that I can make a dispute. It took forever to find a customer service number but when I did either no one answers or there isn't an option to speak to someone. With Experian they have information on my student loan incorrect. When I call the number listed under the one that is reporting negatively each agent has told me that they do not have my loan. I finally hunted down who does has my loan and was told they are not reporting anything negative since my loans are in deferment. The Credit repair company has taken money from me for 3 months and they keep repeating the same thing thats on my credit report. I am frustrated and dom't know where e ; se to turn to get help.
Product: Mortgage

OnXX/XX/XXXX I received a letter in the mail that stated that Loan care my mortgage company purchased insurance because I did n't have any on my property XXXX XXXX XXXX XXXX MI XXXX. After several hours on the phone and several different operators I was informed that my insurance payment was do on theXX/XX/XXXX and they ( Loan Care inquired the loan on XX/XX/XXXX. So there for the old mortgage company did n't pay the insurance out of my escrow account and therefore insurance was n't renewed. immediately I had to call my agent and acquire new insurance from a new company do to know fault of my own. At the time the new insurance was acquired I was informed that the may prorate my insurance that they bought for me for the period that I did n't have any insurance. Several times while I was on a three way call I informed the operator it was n't acceptable for them to prorate the insurance that they bought for XXXX but would be acceptable for them to prorate the insurance that I bought for! XXXX I was informed at that time that nothing could be done with that at that time because they may not even keep any money I would have to wait 2 weeks. approx. 2 weeks later onXX/XX/XXXX I had plenty of time to look into what had occurred and I called them back to inquire about the money that was prorated. After talking to several operators again I was told there was nothing that could be done I would have to go after the old mortgage company. I asked several people who my old mortgage company was so I could contact them because I only showed them ever owning this loan since a year ago. She told me she could n't help me but she would transfer me to someone that could help. After talking to the next person she informed me that she did n't know what they were talking about Loan care has owned this mortgage since XXXX. I then explained to her that I beloved there was fraudulent activity going on in my escrow account and she recommended me talking to the resolution department. On XXXX the XXXX I was on hold with the resolution department and she stated she would look into this matter but agreed they did in fact own the mortgage and neglected to pay the insurance by what she could see. She at that time told me there would be a resolution to this probably by today by the end of the business day or no later than XXXX. Without saying nobody contacted me back by XXXX and I made contact with them again trying to get a resolution to this fraudulent activity that appeared to be going on. During this process I also inquired to them about my escrow balance that did n't seem to be right but they had no explanation.
Product: Bank account or service

My bank, Metro Bank, was purchased by First National Bank. From the very first day we were unable to get into our account online and were not given any help from the branch. 
They have continuously charge fees and manipulated dates of both deposits and transaction. 
There treatment of the public is nothing short of disgraceful and underhanded practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX ( Equifax ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Equifax Legal XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion LLC ATTN : Office of General Counsel XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Incorrect data on Consumer Credit Reports Dear Equifax, Experian and TransUnion, I am disputing the reporting of the following collection accounts due to incorrect data on my consumer credit reports.

I am right into inform the three credit bureaus Equifax, Experian and TransUnion for inaccurate credit reporting ( 15 USC 1681 ) / ( 15 USC 1611 ) in accordance with The Fair Credit Reporting Act, as the furniture of the credit reported information in question and the maintenance of accuracy.

The following accounts listed below are reporting a balance of debt when the debt was charged off ( 1099C form Code 7, XXXX XXXX XXXX ), as proof or evidence. Therefore the debt was canceled and should not reflect any balance or selling of debt on my consumer credit file.

The current report indicate inaccurate reporting of three credit bureaus on behalf of ( FCRA ), ( 15 USC 1681 ) and ( 15 USC 1611 ). Therefore isn't violation of the Fair Credit Reporting act the furniture to continue reporting inaccurate information and conducting inadequate investigations that failed to address my consumer disputes properly.

By reinserting previous disputed and inaccurate information under the ( FCRA ), ( 15 USC 1681 ) and ( 15USC 1611 ). That the three credit bureaus have failed to protect my rights and the correct reporting of data on my consumer credit report.

Listed below please review the inaccurate information on my consumer credit report : XXXX XXXX XXXX XXXX Closed Acct # XXXX Original Debtor XXXX XXXX XXXX Acct XXXX XXXX, XX/XX/XXXX charge-off amount {$340.00} Original Debtor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX charge-off amount {$7600.00} XXXX XXXX XXXX / Original Debtor XXXX XXXX XXXX Acct # XXXX amount {$920.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX written off Acct # XXXX XX/XX/XXXX account closed in XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX charge-off /written off amount {$660.00} amount {$1100.00} Acct # XXXX Original Debtor XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX amount {$350.00} Original Debtor XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX amount XXXX
Product: Mortgage

I called Kondaur Capital Corporation to make a payment over the phone. I said that I would only be able to make one payment. I owed the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment. I explained that I could only make one payment. The lady put on hold and a man picked up I explained once again that I could only make one payment and late fees, he refused to except my payment he said I was over 90 days late, I explained that I was not and that I would not be 90 days past due until XX/XX/XXXX. He still refused to allow me to pay over the phone. So I would like to file a complaint against Kondaur Capital Corporation. I facing some hardships but I am doing my best and do not believe this fare treatment. I did overnight a payment on XX/XX/XXXX through The U S Postal Services
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent XXXX  information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive XXXX  XXXX XXXX or XXXX as a result of identity theft. Please let me know if you need XXXX  other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my Experian account on XX/XX/XXXX and decided to clean up some erroneous personal information. There were several incorrect addresses and an incorrect employer spelling. The system would not allow me to make any corrections, but only dispute the erroneous information. 

On XX/XX/XXXX, after disputing the incorrect personal information, my FICOXXXX scored dropped XXXXpoints. 

My initial attempt on XX/XX/XXXX, to call Experian and speak to an Experian Representative about this issue was futile. 

Finally, XX/XX/XXXX, I was able to speak to a representative at Experian. I explained my situation, and the representative informed me, " We are not licensed credit advisors, please take a look at your credit report and see what changed ''. I requested to speak with a XXXX. The XXXX also stated, " We are not licensed credit advisors, please take a look at your credit report and see what changed ''. 

I am in the process of applying for credit and need the 14-points immediately reinstated to my FICOXXXX. I have a 1 % credit utilization rate, and there was NOT a XXXXpoint drop on my XXXX or XXXX credit scores. Experian website states, if one disputes personal information, it does not affect credit scores. 

As of XX/XX/XXXX, another monthly credit reporting cycle has passed, credit utilization has increased to 2 %, but no change ( +14-points ) with my Experian FICOXXXX score. 

I need detailed information on the XXXX-point drop in XXXX score, not a form letter or statement that reads " data is pulled from multiple sources and scores vary, etc .... '', and a timeframe of when this issue will be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from EarlyWaringServices  stating two accounts from XXXX XXXX XXXX were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The Issue That Im Having Is I 'm Currenty Locked In Chexsystems Due To A Bank Accout That Was Opended Years Ago Unto My Knowledge. Due To This I 'm Not Able To Open A Bank Account. I Have Written More Than One Dispute Letter To Chexsystems To Be Dropped Out Of Their System & They Keep Sending Me Letters In The Mail Asking To Buy More Time. This Unauthorized Bank Account Is Making It Hard For Me To Aquire Credit Line & A Bank Account Due To Me Being Stuck In Chexsystems.
Product: Debt collection

I paid this collection company Caine and Weiner the amount agreed upon. Years later, the debt is still listed on my XXXX  credit report. It has been removed from the other bureaus.
Product: Checking or savings account

On XX/XX/XXXX I had winnings from XXXX XXXX deposited into my Chime checking acct. I was waiting for the funds to deposit overnight. When I tried to log into the account it was closed. I called on XX/XX/XXXX and was told I was not in compliance with my user agreement. I asked for an explanation for how I wasnt in compliance and was told that is all XXXX Bank listed as the reason. I asked to speak with someone at XXXX bank and was told there is no one to speak with and they refused to give me the number. I was told the check would be distributed in 30 days. I explained that I wouldnt be at the old address because I was relocating to XXXX and I gave them my new address. Ive emailed a copy of my lease with the address listed along with my drivers license. Ive spoken with more than XXXX people who Ive changed my address with and confirmed they have the address information. I have been told the check was on the way, that I had to wait for the information to be updated, then told that I was not eligible to receive the closure check. Ive emailed at least 5 people and Ive been told that the check was mailed on XX/XX/XXXX which I never received so they asked me to give the address that I need to have the check mailed to, again. Ive provided the address via email then they told me I had to call in to change the address. I called and they as transferred 3 times as each rep puts me on hold for 2-3 mins to research the account. Ive taken 2 ticket numbers XXXX and XXXX. I have emails I can provide and they say the conversations have been recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report. I've already disputed these items but the bureaus didn't remove them, nor prove validation. 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

There is a negative information reported by XXXX XXXX XXXX XXXX-XXXX XXXX in my file that is under my Social Security number. Upon reviewing a copy of my credit report from Lexus Nexis, I see an entry listing Chapter XXXX Bankruptcy on XX/XX/2018 date. I challenge the accuracy, fairness, compliance, and reportability of this listing, also I stated for them to please validate this information and provide me with copies of any and all documentation associated with these account bearing my signature. I formally request that this information be immediately deleted from the credit file they maintain under my social security number. The United States Bankruptcy court do not report any activity to credit bureaus, nor do they verify that the information report is accurate. This part is the second and final comments of this dispute. The first part of this dispute is in the documents that is attached and being 31 days or more apart, however the first document is dated XX/XX/2018 with the asking in a goodwill attempt. There is two documents attached. ( I haven received a response ) If any more imformation is needed. yours truly..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3900.00}
Product: Debt collection

Filed multiple disputes via mail. Requested original contract. Never heard from company. When I did not hear back, I responded with my initial contract from a different date and time for my contract and the amount I had paid to original company. The dates listed on their initial report ARE AFTER I no longer lived at the location. I sent them proof of the debt not being mine and receipts and they refuse to remove the debt.
Product: Debt collection

My husband XXXX XXXX XXXX passed away on XX/XX/2016. We were separated at the time for XXXX years and he resided at XXXX XXXX XXXX, XXXX XXXX Maryland at the time of his death. I received his letter from the Collection Agency in  care of XXXX XXXX XXXX, The XXXX XXXX  stating they wanted to make a settlement of his debt. Since we had been married for XXXX   years, separated for XXXX years, all of our debt had been in each of our own names, other than our home, which we did a deed in lieu of foreclosure. I did not know which debts my husband had, never signed my name on any of them, and have never been responsible for paying any of them. The same goes for me. I have my own debt, including my own XXXX XXXX card. Now, these people want me to pay for his debt. This is totally unfair on several accounts, I never signed my name on any of his bills, never used any of his credit, didn't know what credit he even had. My credit has always been important to me, and now while trying to keep my own credit cleaned, his bills are now coming in for me to pay, and are being placed on my credit report and they are using my address. I have sent letters to 3 of them, informed all of the banks, and now after 2 years, they are trying to collect from me. XXXX was the primary bread owner while we married, even then, we were responsible for our own debt. In addition, my deceased husband, never lived with me at my current address, nor I at his current address.
Product: Checking or savings account

on   X/XX/2017   my  Chase  checking account was hacked and I had a fraudulent charge of {$550.00}. Chase deactivated the account and I went into a Chase bank on    X/XX/2017      to close my account completely and open up a new one. At that time while with the banker was on the phone with  Chase  support they told him they had issued a temporary credit of {$550.00} to the account. The banker then transferred the remaining funds from the old account to my new  one  and closed out the old account.     Fast forward to     X/X/2017     where I received a secure message from chase saying that the charge was fraudulent and that the temporary money is now permanent. on    X/XX/2017      I noticed that my savings account was drained to    XXXX    and another charge of {$84.00} had come out of my checking for Account recovery. I went into the Chase bank and they told me my claim was denied and they were pulling the money out to make up for the - {$500.00} in my old account.     I called Chase support again and after an hour and a half of being transferred and waiting on hold they told me that it looks like the temporary credit was never added to my account which is what caused it to go negative. I was then told that they will dispute it but that they dont ' know when that will be completed for me to get my money back.     On     X/XX/2017     I noticed another charge of {$31.00} for account recovery. I called them again and they told me it was for the negative balance on my old account. I asked to speak to a supervisor who then realized what the issue was but was n't able to return my money or tell me when it was going to happen.     O n  XX/XX/XXXX  I had  to cash in a silver bar so I could deposit the money into my account which was sitting at   XXXX   so that I could pay mortgage and bills. On       X/XX/2017  I  noticed my check came through and again it was short by nearly {$100.00} meaning they pulled more money from my account.     This is unacceptable ... ..Chase has acknowledged their mistake but refuses to fix my problem. I dont ' have a lot of money so I need every penny I have or my finances fall to pieces. I really  REALLY  need to get my money back because as of right now Chase is literally stealing money from my account. I was never notified via email or letter or phone or anything to let me know this account was in the negative in the first place to give me time to figure out what was going on, they just decided that they could take money from my account at any time without any authorization from me. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Crediting Reporting act XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my ri ghts 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 n
ot furnish a account without my written instructions