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

I have made several attempts with XXXX, XXXX and Experian to remove the inaccurate personal information from my consumer report, but they keep reporting this on my consumer report. I have sent them certified letters for over 5 months and they are ignoring my efforts and this is unfair, illegal per the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ) and IS VERY frustrating. The only personal information that should be reporting as accurate on my consumer report is as follows : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX MY DATE OF BIRTH IS : XX/XX/1991 I have informed them of this along with my identification card, current utility bills as well, and I have also let them know anything else that they are reporting is incorrect and to please remove it from my consumer report. If you need any type of documentation, I will be happy to provide it for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE XXXX XXXX, TRANSUNION LLC. & XXXX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL 3 OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL 3 AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN XXXX CONFIRMATION FROM XXXX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL 3 CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE CFPD AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.
Product: Consumer Loan

Toyota Financial Services had my vehicle repossessed for XXXX in arrears. I offered to pay back balance plus towing expenses before it left my driveway and they said no. They insisted that I pay off the balance of the vehicle at a XXXX. I said I was interested in keeping the vehicle and protecting my credit and they stated they would only let me pay off the vehicle. I again offered that I could pay past due amount and towing to stop repossession and they refused and took my car. Now they said I would have to pay XXXX, towing fee and transfer fee as they are moving to an out of state towing area to have it auctioned off. So I asked if I could pay for it when could I get it back they said I had to wait seven days. I said you just told me you were moving out of state to be auctioned XXXX but I have to wait XXXX and incur extra charges because you move it. They said yes ... I 'm not sure what my options are, please help. This happened XXXX other time and the amount was XXXX plus I paid it immediately and stopped any issues. When I offered this time and the amount is actually less they declined and said they were taking the car and my only option is to pay it off. This is my sons car and as a government employee who may be furloughed I 'm trying to save my credit and my sanity.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX I received a notification in the mail from Receivables Performance Management stating that I owed {$XXXX} and the original creditor was XXXX. 

I have never had an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I 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. I have contacted the FTC and local police.
Product: Credit reporting or other personal consumer reports

I was scammed money from XXXX  from XXXX XXXX. It was not the right person and Zelle never gave my money back or gave me a warning if it was the right person. I cant go back in my bank statements because it doesnt allow me to look.
Product: Debt collection

I sent a Debt Validation letter to National Credit Systems and I haven't received anything showing alleged original paperwork from original creditor.I sent a certified letter to them and never received nothing back.Right then it was supposed to be removed from my credit report due to failed no response or proof.I also sent a certified letter of a settlement just to get rid of alleged debt but off was rejected.Also the person I spoke with states he's a supervisor after I ask for another supervisor he states he's the only one, right off I don't feel comfortable.I asked Mr XXXX for at least a settlement agreement in writing stating once alleged debt of agreed settlement was paid that account would be deleted from all credit reporting agencies and so on, he states he can't do that.
Product: Debt collection

I received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfers

I sent money through Western Union. It has been over XXXX weeks and money is n't there. WU has simply not helped track the money and keep saying that money has been transferred to the bank, which bank denies. I have now spent number of hours trying to solve this and WU has not offered any resolution and keeps delaying the matter.
Product: Checking or savings account

On XX/XX/XXXX, while traveling in XXXX, I tried to use my ATM bank card to withdrawn local funds in XXXX at a mall. The ATM machine seized my card for a minute without dispensing cash yet I was debited {$65.00} from my checking account. I reported this to PNC over the phone and a dispute case was started. On XX/XX/XXXX, I logged on to my email and PNC bank account only to find out that there had been a series of checks of {$200.00} from a " XXXX XXXX '' written out to " home care '' drawing money off my account on a daily basis up until when I first noticed it on XX/XX/XXXX. I called PNC bank and spoke to a representative who transferred me to their escalation department- XXXX at XXXX. She reported that she would start an investigation on this. I learned today that PNC did not open an investigation until XX/XX/XXXX. On XX/XX/XXXX, I continued to report my complaint at which point my card was cancelled. At this point during my report to PNC, a XXXX, XXXX at XXXX informed me that she was now assigned to my case from the same department. She requested that I change the PIN and security details on my card which I did. I subsequently online transferred all monies out of my checking account to a virtual account with PNC to prevent any further automatic withdrawals and informed them what I had done. At this point, XXXX indicated that she should have thought to have asked me to do that before and she subsequently placed a hold on my account. I informed her that I had several bill pays due during the month at which point she stated that I should inform her when I wanted the hold removed temporarily. Despite the hold on my account, on XX/XX/XXXX, the checks continued to draw out monies from my account, which I continued to receive email notifications about. I screenshot the emails and emailed XXXX with the information and called her to receive an update on the investigation. I left a voice message without response. On XX/XX/XXXX, I called PNC to receive an update and was informed by a representative that PNC had decided to close my account and relationship with me based on the volume of checks being drawn off my account. They informed me that it would be closed on XX/XX/XXXX. I responded to ask why I was being penalized for fraudulent activity that I had no responsibility in and XXXX indicated that it was PNC bank prerogative. She further informed me that while they would refund me the returned check fees, they would not refund the total amount of $ 3200+ drawn off my account by the bogus fraudulent checks. On XX/XX/XXXX, I requested a statement summary of my checking account which she informed me she would mail to my address. She then informed me that PNC was terminating their relationship with me on XX/XX/XXXX and that a certified check for my remaining balance would be mailed out. Again, no recovery of the withdrawn funds has occurred and no information of their investigation was provided.
Product: Credit reporting

Credit cards have listed balances on Equifax after bankruptcy. Have disputed 3 times and they continue to list balances. My understanding is that balance should be XXXX after bankruptcy.
Product: Vehicle loan or lease

Miscommunication with due dates payment owed and payment amounts. Adding on hundreds more in payments and fees after making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY MOVED TO XXXX XXXX  IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN XXXX  AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Immediate Correction of Inaccurate Account Information ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion, I am writing to formally notify you that you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to conduct a proper investigation into my dispute and continuing to report inaccurate information on my credit report. Attached is a copy of the legal notice sent to XXXX XXXX regarding this matter. 

If TransUnion does not remove the inaccurate account information from my credit report based on the evidence I have provided, I will proceed with filing a lawsuit against TransUnion for non-compliance with the FCRA. Specifically, you are reporting inaccurate late payments, an inaccurate loan balance, and an inaccurate loan term. Additionally, I have provided correspondence from XXXX XXXX stating that the reported loan term of 40 years is incorrect and should be 30 years instead. You are in violation of the following sections of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
Please address this issue promptly to avoid further legal action. I have also attached a copy of the XXXX report showing proof that this account is not in compliance with XXXX standards XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Grant & Weber on XX/XX/XXXX and requested proof that this was my debt. I would like them to send me all the information pertaining to this debt. I do n't believe it 's mine.
Product: Credit card or prepaid card

Capital One advertises the SAVOR card as 3 % cash back on grocery purchases ( excluding big box ), dining and streaming services. XXXX is a streaming service, agreed to by Capital One customer service. However because XXXX does not send the charges with a specific code, the charges are ineligible for the cash back amount program. However, this specificity is not disclosed in the Bank 's rewards program and basically when I created a case with the bank I was told " too bad ''.
Product: Money transfer, virtual currency, or money service

I received 4 cashier checks ( {$100.00} each ) dated XX/XX/XXXX. The checks were purchased by my father who was killed in XXXX. My grandfather held on to the checks in his safe deposit box until his death. The first thing I need to know is the statue of limitations regarding cashier checks? The bank ( XXXX XXXX XXXX  XXXX XXXX, NY ), which was purchased by XXXX XXXX, the bank can not find any record of the checks. The bank ( XXXX XXXX XXXX was a subsidiary of The Chase XXXX Bank and the checks are secured by The Chase XXXX bank, which is Chase. First, I contacted the Office of the State Comptroller - State of New York in XXXX and again in XXXX, where the office of the comptroller contacted me after seeing an interview from a news station with me seeking help getting these checks cashed. To no avail, they ( Comptroller 's office ) could not find any record of the checks being escheated to their office. After the second attempt failed through the Office of the State Comptroller - State of New York, I reached out to Chase since the checks are secured by them. They flat out refused and said I can keep them as a momento because they can't find any record of the checks. I have the actual checks in my possession, I have a copy of my father 's death certificate, and a copy of my birth certificate to prove I am a descendant and can rightfully claim the funds. To recap, my father has been dead since XXXX. He purchased ( 4 ) cashier checks of {$100.00} each from the local Savings and Loan, which has now been purchased by XXXX Bank. The checks are secured by The Chase XXXX Bank, which is ultimately Chase. Each party says they have no record because of the age. To my knowledge, cashier checks can only be purchased with cash, which doesn't expire. I don't understand why the securing bank can not replace the checks and allow me to cash them when I have all of the proper documentation to prove who I am and the original cashier checks. Can you help me in this matter or provide some advice on how I can proceed in getting these checks cashed?
Product: Mortgage

We started a refinance with XXXX XXXX at Global Equity Finance back in XXXX of XXXX. Paid out of pocket for appraisal and a foundation engineering certificate, at a cost of over {$1000.00}. We were told we were locked into a 3.5 % interest rate. 

Months go by, we have to re-submit documents and pay stubs, I had to do three seperate conference calls with our current lender to verify there has been no late payments in the last 12 months. Two of these calls were in the same month! Also I was advised 3 months in a row to not pay the mortgage to our current lender, because our refi was " closing this month ''. So, including this month I had four late charges I had to pay for. We were very dilligent about getting anything they asked for as quickly as possible.

Finally, five months later, I was told we were clear to close on XX/XX/XXXX. But the closing disclosure that we E-signed had a rate at 3.625 instead of the promised 3.5. I call XXXX and he informed me our debt ratio caused this. I reluctantly accepted that and just wanted to be done with this whole mess, so we went ahead and E-signed the closing disclosure at a 3.625 rate. 

I was told to meet up with the Notary at XXXX XXXX  on XX/XX/XXXX to sign the hard copies of our loan. So, I happily was driving to meet said Notary to do so, and at about XXXX I get a call from XXXX XXXX, who said he was a supervisor at Global Equity and he tells me I can not sign today, and they moved our interest to a 4.5 %!!!! This was 30 minutes prior to signing, while I was driving to meet the notary!!!! How can my rate keep changing, especially after I E-signed on a XXXX XXXX And literally minutes before signing the hard copies???? After XXXX  months of being strung along to boot. 

This company has caused my Wife and I a great deal of stress, and money loss. The {$870.00} appraisal does us no good now, as they are only good for 120 days. That's 10 days from today. 

I informed XXXX by phone I will be submitting this complaint with you, and followed up with an Email to him and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To TRANS UNION!! : This Is my FINAL warning to them, they must think this is a game, they unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report. Ive sent letters for months! And nothing has been removed and when I called one of their agents told me that all of my letters have been denied because they thought that the letters are not from me. THEY ARE ALL FROM ME. TRANS UNION! them along with the other Accounts listed below have defrauded me for the LAST time 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires AND Accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX My identity has been stolen they are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Product: Credit reporting or other personal consumer reports

XXXX a natural person and consumer please dont close and then just attaching documents they feel they are bot complaints
Product: Checking or savings account

On XX/XX/2020, I withdrew {$45000.00} from my XXXX XXXX   Account and transferred it into my J.P. Morgan Chase accounts ending in XXXX and XXXX. 

Chase gave me access to that money. Then, Chase performed a debit return. The money was transferred back into my XXXX XXXX   with the joint holder. 

My Chase accounts went into the red, and I had to deposit money to get them back to a surplus.

My Chase accounts are still frozen. Chase has blocked me access to my own money, even if I try to retrieve it from the branch bank.
Product: Mortgage

Hi, i'm a XXXX  mother and also an XXXX XXXX XXXX I get XXXX every XXXX weeks. once my mortgage and property taxes where lumped together the month payment became a little harder with everything coming out in one paycheck. Starting in XXXX I was attempting to stop my auto payments so I could have my payments come out a little later, NOT late but it would come out of my XXXX paycheck of the month. For some reason I was unable to do this online so I always had to call and speak to someone. In early XXXX I again attempted to stop my autopay but this time not only did it say that I was unable to access my account but this time it said that my account was sold. ( not one time during the pervious months did live person tell me this ), I didn't receive a letter. I even looked up the bank that the mortgage was sold to, in attempt to make an account but I was unable to. I had to speak to a live person once again... I was told that the reason I am unable to get into my account or create a new account is because my mortgage was sold and I am in a " black out period ''. I explained what I explained above and she told me not to worry, since I am in a " black out period '', my mortgage won't come out for an additionaXXXX XXXX  days at the very least so we are looking at the XXXX at the very least, so call on Monday and you can sort everything out. I was told that if I had any questions she sent me an email. On Monday morning my mortgage was posted, I was neg XXXX in my bank account. I don't have any money for me or my child until Friday, and for some reason it feels like my mortgage company is trying to get me to default on my loan. I called Cross Country, in good faith thinking that they would help me and they said, oh I '' m sorry, since it has posited there is nothing we can do, but maybe we can help with mortgage assist ... ..... I have had XXXX  homes, I am a XXXX  mother, and XXXX XXXX XXXXXXXX XXXX XXXX  I don't need mortgage assist I need people to do what they said they were going to dol
Product: Debt collection

Received an out of the blue garnishment from a debt collector named Glass and Glasser from XXXX Va.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to Transunion thru the CFPB, that I am a victim of identity theft. 
Transunion responded that they verified fraudulent items. I would like to know how is it that a fraudulent account belonging to someone else can be verified, how and when