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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
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 : collection/charge off 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  personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on 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 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: Mortgage

On XX/XX/XXXX I filled in a form online with Amerisave Mortagage in XXXX KY to refinance an existing home mortgage. A Loan Originator by name of XXXX XXXX immediately called me via phone and said he could get me a conventional mortgage at 2.3 % fixed for 30 years ( refinance ) He had me Esign the loan papers on line ( I thought he was honest ). Then the next day he peppered me with emails, phone messages wanting my bank statements, social security award letters, present mortgage statments, etc, which I uploaded and sent. He claimed he never got them and that the ones he did get were not what he requested ( this is a lie ) He claimed my homeowner 's insurance company did not sent a loss payee clause ( which they did, twice ) He said the loan was " approve '' and " all set ''.

I was a little leery about this, he had my credit card info, I checked with my Bank and he had attempted to charge my credit card {$520.00} for a non specific charge. I called him and cancelled the loan. I just read where they were fined in XXXX for the " bait and switch '' scam. i don't think they should be in business
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

The mortgage company is attempting to foreclosure on my home with a fraudulent assessment. I sent a Qwr and they have not responded to my QWR dated XX/XX/2022 nor have they responded to the one dated XX/XX/XXXX. 
I sent a debt validation and they happen responded. I requested mortgage assistance and they have not send a modification package. 
The assignment was robo signed and fraud cant be the bases of obtaining a deed
Product: Payday loan, title loan, personal loan, or advance loan

I used the skip a pay in XXXX. Then I paid made the XXXX payment. I made the XXXX payment. And I made the payment for XXXX. Since then I have received payment reminders for XXXX for different amounts and different due dates. Then when I asked about XXXX payments I don't owe in XXXX, the associate said I owe XXXX payments in XXXX. This company makes it impossible to stay ahead. I already asked them to close the account. And they refuse to close the account.
Product: Mortgage

In XX/XX/2023 we requested Mr. Coopers Escrow Department to reanalyze our escrow account as a result of our home receiving XXXX  homestead exemption which also included the prior year. Mr. Coopers Escrow Department contacted me 3 weeks later after my persistent request for a status on the request to reanalyze our loans escrow. Mr Cooper told us that XXXX XXXX didnt reflect the exemption and refused to look into it further! I immediately contacted XXXX XXXX and obtained the exemption document Mr. Cooper told me didnt exist and we submitted it again and requested our loans escrow be reanalyzed. Again no response until I sent a request for a status, the middle of XX/XX/2023 we received a call from Mr. Cooper advising us the exemption was indeed in place and we should expect a refund of {$600.00} from XXXX XXXX and that Mr Cooper is waiting on XXXX XXXX to confirm the exemption and then they would re analyze our escrow. Now, yesterday, I contacted Mr. Cooper and to my amazement we were advised our loan has been transferred to another servicer. Its pretty obvious that Mr. Cooper refused to process our escrow review because they knew our loan was going to be transferred! We were not advised about this until I contacted Mr. Cooper and was advised they dont have my loan; and said the new servicer will be intouch! Wow!
Product: Money transfer, virtual currency, or money service

I requested a card replacement and my account compromised & this is my business account The representatives and management are commiting coercion and organized crime to defraud me. My name is XXXX XXXX XXXX My social security number is XXXX XXXX XX/XX/1996 My updated phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX XXXX {$73.00} XXXX XXXX {$130.00} XXXX  XXXX  XXXX {$100.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX {$100.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$6000.00}
Product: Student loan

Nelnet.studentaid.gov will not load information. Ever. I receive countless emails telling me to log in to my account to check the status of my student loans and read communications however every single time I try to login the error I receive is. 

" This page isnt working XXXX is currently unable to handle this request HTTP ERROR XXXX '' If the student loan processor can not handle the amount of borrowers it receives it should be disallowed to continue being a loan processor. 

At this time I've tried to log in to the account no less than XXXX per day for the last XXXX weeks. I've been unable to read any communications with the loan servicer for over a month. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

my chase freedom unlimited credit card account was closed on XX/XX/2021 because they said that I had to many accounts open recently/ to many authorized users on my account. 
I recent have had issues with chase regarding this issue on XX/XX/2021 where they closed my account for adding authorized users to my account. so I called around to different bureaus about this matter and they advised me that I was well in my rite to add authorized users to my account.on XX/XX/2021 I received a call from chase stating that I did nothing wrong by adding my family members/and tribe members to my credit card account and they reopened my account and increased my limit from 99 authorized users yo unlimited authorized users and advised me that my account would not be closed for adding authorized users so what I did was I had them draft me a letter stating that I now have access to adding unlimited authorized and that my account would not be closed for doing so. on XX/XX/2021 chase closed my account for the exact reason they did back on XX/XX/2021 for adding authorized users so with this complaint I would like to get my account back open and get this matter resolved
Product: Debt collection

On the morning of XX/XX/XXXX, of XXXX I had a bicycle accident that required me visiting XXXX XXXX and XXXX XXXX in XXXX, TX. As expected there was extensive medical bills associated with my injuries. I took out a Loan at my Bank and also arranged for payment plans for the Bills that were too large to manage directly and paid the others that were smaller. I made my final payment to XXXX XX/XX/XXXX and all accounts were settled. 


However, XXXX of XXXX I noticed a massive decrease on my credit score and after doing some research I found that Capio Partners address XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX phone XXXX fax XXXX had listed a negative item on my credit. I managed to get in contact with Capio who insisted I has a balance due in relation to XXXX XXXX in XXXX, TX. Although I suspect I was paying this debt twice I paid the amount of {$320.00} on XXXX XXXX just to get the negative item removed. 

Fast forward to XX/XX/XXXX I received a letter from AssetCareLLC also in XXXX, TX stating I owe a balance to XXXXXXXX XXXX  in XXXX, TX. This time I disputed via email on Tue, XX/XX/XXXX at XXXX XXXX providing proof that I have paid the account by showing my credit card receipt with CapioPartners as the payee. 

XXXX XXXX I managed to get back in touch with Capio Partners and have retained further written proof stating " Your account identified above has been settled in full. '' in relation to XXXX XXXX. However, AssetCare LLC insists that I still owe on this account and I'm certain there is something very unethical going on between Capio Partners, AssetCareLLC and XXXX XXXX as they seems to be charging tactics to coherse people into paying off a balance multiple times. 

As of XX/XX/XXXX I signed up to XXXX XXXX XXXX to hopefully shield myself from AssetCareLLC making false claims against my credit. While I don't need or want the added expense I'm hoping they will be able to get the item removed quickly if it comes to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and submitted a dispute with an agent at XXXX and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has false information about me.
Product: Vehicle loan or lease

On XXXX of XXXX I submitted an application to finance a XXXX XXXX XXXX XXXX XXXX XXXX  ; VEHICLE IDENTIFICATION NUMBER : XXXX located in the XXXX XXXX dealership in XXXX XXXXXXXX XXXX CA. I am requesting copy of the contract that was opened with this application as evidenced by the hard inquiry reporting on my credit report. If there is no evidence of a contract, please delete this inquiry from reporting on my credit profile and retract this application under the FCRA for inaccurate reporting of information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 a money transfer to XXXX XXXX was cancelled by MoneyGram with no explanation given. I received and email acknowledging the cancellation and a 10 day refund promise but after XXXX weeks no refund was ever sent. I contacted MoneyGram customer service and the employee claimed no money was taken from my account. When I told her there was a charge for {$100.00} the day of transfer she closed the live chat. I filed a complaint on their website following that conversation. Its been another XXXX weeks and no response from MoneyGram. This is theft and fraud, I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced account numerous times involving debt validation and violations of my rights as it relates to the FCRA. In  XXXX  and  XXXX  of  2017, I dis puted this referenced account. As several times before, the creditor removes the negative item. However, I received an alert from  XXXX  which reflects the item was re-inserted to my   XXXX   credit reports  XXXX  on  XXXX   XXXX  , 2017 witho ut notifying me.     Please assist in my request to have  XXXX  and/or the creditor remove the negative item reporting from my credit report. I have attached supporting documents for your review.
Product: Credit card

Took a cab ride in XXXX, XXXX on XX/XX/year>. Trip was approximately XXXX miles going from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX. At the rides end, cab driver said the charge was {$30.00}. I tried to pay in cash but he said he does not accept cash. Gave him my credit card for the {$30.00} charge. It took him a couple of minutes to process, he said he was having trouble connecting. The transaction finally went through. He gave back my card, jumped in his cab and took off. He did not offer me a receipt and took off quite quickly. Within less that a minute I received a text on my phone, from Capital One, saying that a charge had been processed for {$3200.00}. It asked me if this was legitimate, indicating they thought it could be fraud. I responded immediately to not honor the charge, said it was an overcharge. I then called Capital One, within 2 minutes, and spoke to a customer service rep in the fraud department. We reviewed all charges on the account for the previous 10 days to see if there were any other issues. I confirmed that there we not. 

I have contacted Capital One regarding this incident and they refuse to credit my account or resolve the issue.
Product: Checking or savings account

Hello, I need to dispute 4 charges made with my debit card ending in XXXX. 
The seller never sent the items, never provided any kind of delivery information or tracking number, also never answered the emails and phone calls 1 : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXXXXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXXXXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, it was a XXXX XXXXXXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX Until now I have not received the merchandise from the seller.
Product: Checking or savings account

NAVY FEDERAL CREDIT UNION, Account XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Product: Checking or savings account

Ally randomly decided to block my access to my savings and money market account. 
And the associated funds.They claimed I had too many external verified accounts and transfers. ( All under my own name )
Product: Credit reporting or other personal consumer reports

Tonight, I noticed unauthorized inquiries on my credit report, and Im puzzled as to why theyve appeared. I was doing my regular check on my credit report, but this time, there were unexpected discrepancies. I refreshed my browser, hoping it was a mistake, but the inquiries didnt go away. This situation has left me very frustrated, and Im requesting a thorough review of the documents Ive provided so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX XXXX # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX  Act # XXXX XXXX  Act # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXt # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding my credit.
Product: Debt collection

A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for. 

I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX. 

1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing. 
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints. 

XXXX XXXX has violeted my Fair Credit Report Act protection.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year> :
Product: Checking or savings account

I have over the course of a few year while with PNC have been charged overdraft fees. Primarily they have triggered occurring fees the next day after deposits have been posted. PNC regularly uses a predatory tactic of ordering my transactions to allow for the maximum overdraft allowable in a day. This behavior is unethical and predatory.