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

RE :   XXXX  I have notified Equifax that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am   XXXX   XXXX   XXXX   an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to Equifax that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written contract,  drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would hav e  XXXX  u tility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,   XXXX   XXXX
Product: Checking or savings account

My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. I never gave him to use my card, according to Chase/Visa  's policy they have to give me a refund. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 

ATM Withdrawl - XX/XX/XXXX - {$2600.00} ATM Withdrawl - XX/XX/XXXX - {$1100.00} ATM Withdrawl - XX/XX/XXXX - {$2100.00} ATM Withdrawl - XX/XX/XXXX - {$2000.00}
Product: Credit card or prepaid card

The derogatory credit shows on my credit file, and I would like for it to be removed.
Product: Credit reporting

I have disputed the following accounts with Experian on numerous occasions : XXXX XXXX XXXX ( XXXX accounts ) and XXXX XXXX XXXX XXXX ( see attached documentation ). The XXXX does not belong to me yet this bureau continues to report this inaccuracy. This reporting is in violation of my consumer rights. I have furnished them evidence that proves the account belongs to someone else and not me. The XXXX has reported incorrectly since it was placed on my report. How does a collection account have terms. I never entered into a contract with this company. Additionally, how does a collection account have a past due amount. I never entered into a contract with this company nor have I ever did business with them. This account is reporting as though it is an original creditor and I have never did any transactions with them. I have brought this to the attention of Experian on numerous occasions, yet they still continue to violate my consumer rights and report this inaccurate information.
Product: Checking or savings account

I went to a hair salon on XX/XX/19 had an appointment to have service done on my hair spoke with the owner and she said the services I wanted she was not familiar with it and she spoke with her daughter and she came back and said her daughter knew how to do it but the problem was her daughter was booked for the day and I said but I made the appointment and you responded to my email and you say yes come in she then said wait I will see if my daughter can fit you in and she came back and said yes, but it is going to be a wait and I responded and said should I leave and come back later she said no wait I had no idea I was going to be sitting there 5 hours before they started services on my hair finally around XXXX XXXX they had another co-worker start providing services on my hair and the owner of the salon was to cut and style my hair and she was rushing to get me out after sitting there all day she finally said I have to leave I am going out for the evening and I have to finish shopping I am throwing my XXXX XXXX XXXX son a birthday party the next day XX/XX/19 and the style and cut the owner did on my hair was an XXXX  of a mess I ended up paying {$180.00} on my hair I had to go to someone else to correct the cut and style the previous salon did on XX/XX/19 I put a complaint with my bank and that was Santander they denied the claim on XX/XX/19.
Product: Money transfer, virtual currency, or money service

I bank with XXXX, the scammer said they banked with XXXX XXXX XXXX and we should use XXXX. 

On XX/XX/18 at XXXX MST, I sent {$300.00} to XXXX XXXX XXXX an account under the name of XXXX . The phone number associated with the account is XXXX. I sent the money in exchange for football tickets. 

I contacted XXXX within 40 minutes of initiating the transfer as it was and is still pending. I was hoping they could reverse the transaction. They said they would file a complaint and that's all they could do. They did not tell me I would get my money back or if I would lose it. 

I contacted XXXX through their online form and told them the exact same thing. I received an email from them saying someone would get back to me within 2 business days.
Product: Mortgage

I have been waiting for escrow overage due to property tax payment being refunded back to escrow account since XX/XX/2023. I requested from amerihome via secure message on this date and they told me the escrow overage would be released. 

1 month later in XXXX I called and still no escrow refund and they said they would put in request to the proper team to have the refund sent to me. 

It's now XX/XX/XXXX and still no escrow refund. There is an overage in my account and you need to send me the refund check to my address on file. Stop making me contact you and saying you will do it but nothing happens. Unacceptable.
Product: Debt collection

My complaint is that XXXX XXXX XXXX out of XXXX XXXX California called me on XX/XX/XXXX telling me I owed roughly {$3000.00} on a credit card. I know this is not true because I filed it with my bankruptcy in XX/XX/XXXX. The lady that called me said that the lawyer was following through with it today, whatever that meant I dont know. The lady also said that their company may freeze my bank account, put a lien on any property that I own and keep my wages from my employer and take any tax refund that I may be able to receive from the IRS. I never received anything in the mail on this issue and the XX/XX/2018 was the first time I have heard from this company. I dont owe anything to anyone on this credit card and I didnt like them threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon dispute with XXXXXXXX XXXX  acct # XXXX due to identity theft XXXXXXXX XXXX have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, Experian and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have tried repeatedly to prove the debt is not mine. I do n't know if someone with the same name or close to the same name as me used this service or what. I am not the responsible party for this debt. In fact, it is the only open debt on my credit report. I do n't know what else to do. I have all my debt paid and I refuse to pay for something that is not mine and it 's the only thing hindering my report. This is not my debt. Please help.
Product: Checking or savings account

yesturday i reported something over the phone and did not get a rpeort number so i am writing to you. i tried to call chase bank at XXXX XXXX XXXX XXXX XXXX and could not get through for just under an hour. i then called their complaint center at XXXX to report this. he said they dont do that and i said i would report him to you. he rudely told me he did not care and dared me too. then he hung up. a report to you might have gotten thru at XXXX from operator XXXX. i could not get a complaint number and he said it would be on email-which it is not. i complained about chase once before and people are very rude now. if its not for you they may mismanage my account. why did they hang up if you cant help tell me who can since others have said you helped them on similar issues. addresses change at the bank with out my input or knowledge. is there something going on they dont want me to know because of a civil suit. id work with them if they gave information for an apprehension.
Product: Vehicle loan or lease

I was sold a vehice by drivetime and XXXX XXXX-upon trying to switch insurance companies I discovered that my car has a salvage title which was not disclosed to me in any of my loan documents and nor does it show in the banks system according to drivertime and XXXX  I have spent over an hour on the phone with both companies and nothing has been offered to me except for an image of my title and they told me to take the matter up with the XXXX. Drivetimes address is XXXX XXXX XXXX XXXX XXXX, XXXX, Az XXXX please help me at this point I feel powerless and they are not helping me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued concern and frustration regarding unresolved disputes on my credit report. Despite my previous efforts, I have yet to receive a satisfactory resolution, and I feel compelled to address this matter with renewed urgency.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove an old entry from 2009 on my credit report. The account is a charge of from XXXX XXXX ( ACT XXXX .... ) This is long past the 7 year reporting period, and the other bureaus have already removed it.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX,XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Mortgage

I am a registered XXXX  and had a working sponsorship with PRMI, from XX/XX/2021 - XX/XX/2021. The first issue, they charge a commitment fee and also a 1/2 point on every file. That half-point can be waived by the XXXX if the client questions it. If the XXXX XXXXlects to waive it on every file, as I did, feeling it was taking advantage of my borrowers, the XXXX  is counseled by management, and if it continues advised it will end in an in-house disciplinary action and a decrease in all future compensation agreements. 

Once I left the company on XX/XX/2021. The company continued to solicit prior realtors and clients using my name and XXXX #. Well after I left the company. I have attached a copy of the most recent email I received from a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX ( Utah XXXX XXXX XXXX XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, serviced my student loan from XX/XX/XXXXXXXX until I paid the loan off early in XXXX XXXX. I never paid them late. 

In early XXXX XXXXXX/XX/XXXXafter more than 30 days since I had paid off my student loan in full, XXXX was still reporting to XXXX, Equifax and XXXX  that is was an open trade line on my credit report, with a balance. I contacted XXXX on XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XXXX XXXX XXXX to dispute the account with XX/XX/XXXX, Equifax and XX/XX/XXXXeven providing them the copy of the letter from XXXX ( XXXX XXXX  ) stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the XXXX account status changed on both my Equifax and XX/XX/XXXXcredit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was 300 month revolving loan, that it was opened in XXXX, and most upsetting it shows there was a late payment of 60 days past due in XX/XX/XXXX. XXXX  and 90 days past due in XX/XX/XXXXXXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE XXXX TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; 1. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF. 
2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN XXXX. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXXXXXX  AND 90 DAYS XX/XX/XXXXXX/XX/2015. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH XX/XX/XXXXDID NOT EVEN SERVICE THIS LOAN UNTIL XXXX OF XXXX  WHEN THEN BOUGHT OUT XXXX XXXXXX/XX/XXXX. ( I HAVE ALSO CONFIRMED WITH XX/XX/XXXXTHAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE XXXX TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE XXXX FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD 2 LATE PAYMENT THAT DID NOT HAPPEN. 

I have contacted XXXX several times via telephone. each representative has told me they system shows it paid closed, at a XX/XX/XXXXbalance and no late payment were ever made. 

XX/XX/XXXX has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what XXXX is reporting. 

Equifax shows the same information as XX/XX/XXXXdoes, however XX/XX/XXXXdoes not. XX/XX/XXXX is showing correctly with not late payment for XXXX.
Product: Mortgage

I was notified on XXXX XX/XX/year> that fictitious documents, as well as my personal information from my mortgage company which included my social security number, loan amount, payment history, medical XXXX, home address, credit score, and other personal and financial data had been accessed and distributed by XXXX XXXX Mortgage Broker ( XXXX # XXXX ) and given to a title agency, and several other third parties without my knowledge, authorization, or any prior consent given by me. Individuals were also contacted to speak on my behalf, and provided with my personal and sensitive information, who were not authorized to do so. I have never inquired for any services for the sale of my house from anyone involved. XXXX XXXX stated that he, was not supposed to be involved with this and was not getting paid but was doing so as a favor. 
A fictious purchase agreement was also created and sent to this title agency, which I did not create, sign, or have any prior knowledge of. I have contacted the title agency, a current employer for the fraudulent individual involved, as well as my current mortgage company, in efforts of resolving this issue. 
This has caused a direct interference with any and all time sensitive correspondence that I had with my mortgage company.
Product: Vehicle loan or lease

Have had my car loan through XXXX XXXX XXXX for a year. Through this time, it has always been through autopay. A payment was scheduled through automatic payments for XX/XX/year> as I pay biweekly in the ampunt of {$340.00}. I received a text on XX/XX/year> reminding from XXXX XXXX XXXX stating my regularly scheduled automatic payment was due on XX/XX/year>. The payment was not withdrawn even with this being an automatic service and with the funds available in there. On XX/XX/year> I received a text from XXXX XXXX stating my loan was sold on XX/XX/year> to Amerian Credit Acceptance ( ACA ) and that my autopay was canceled due to the company being sold. This was the first and only communication I have received about this transaction and still had not had any contact with ACA. I was able to get the phone number for them and called. In this call, it stated my name and information was in fact on file but my payment was past due as of XX/XX/year>. Even though I did not know my loan was purchased by them or that my autopay was canceled until XX/XX/year>. After speaking with XXXX different representatives, all located in the XXXX two of which are named XXXX and XXXX, I was informed that even with making my normal payment, they will not remove it from a past due status for reporting and that all they would do is waive the transaction fee for processing my payment. They also repossess vehicles even if you have on time payments or if you have a singular past due payment even if it was not your fault. I asked why I had not received any information for the past week about the purchase of my loan from the previous institution, let alone prior to purchase. The customer service and collections department supervisor XXXX stated they would have notified me but this did not occur at all. The previous institution which operated through XXXX XXXX has had countless phone calls from consumers with loans in the same exact situation as me. I can not make a payment to a financial institution, let alone on time, if I do not even know my car loan was sold or to whom it was sold. When I asked XXXX how can I pay my loan on time for XX/XX/year> if I did not even know ACA existed or purchased my loan until XX/XX/year>. The only response I was offered was " sorry '' and continued to argue that I had time to pay my loan before it's due date although it was purchased by ACA without my knowledge or being informed of the sale which is legally required, until a week after it was sold and after the due date had passed. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.