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

I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and XXXX XXXX. I  opened the account with XXXX XXXX In 2016 The account was transferred over to XXXX XXXX The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either XXXX XXXX or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.
Product: Debt collection

On XX/XX/2015, I signed a contract with XXXXXXXX XXXX  for XXXX XXXX XXXX  services. The full amount due was pre- paid by Comedity bank. Hence, the XXXX XXXX XXXX  XXXX representative Mrs. XXXX XXXX had me signed an agreement Shedule B Fee which stated total pricing amount for services for {$4700.00}. The ach payments was set up by XXXX XXXX  as soon as i signed the contract and funds were drafted from my checking account to account ending in XXXX. I have paid amount in full and have proof from my bank statement. Comedity sold by loan to a XXXX XXXX XXXX XXXX. Even though i have sent support of proof of payment, XXXX XXXX  is still trying to collect paid debt. Need your help as my credit has been effected by this unsettled matter. Please see provided support from my bank and XXXX XXXX letter after last payment was settled. I will provide support of contract if need, so you may see  the terms. Thank you so much. I will provide copy of initial agreed contract terms if needed. 

Thanks XXXX XXXX.
Product: Mortgage

My escrow keeps going up and the lending company ( PHH Mortgage ) is not making sense on the amount to cover my taxes/insurance. Every year they have gone up because they say taxes have gone up but this was not the case this year with taxes going down. However they just jumped my payment up around an extra {$1300.00} a month. I have been on the phone several times to try and resolve the issue but they can not find anything and keep saying the same thing.. this is your bill... I have gone and added up numbers from the date of the loan until now and there is no way they can have me behind this much on my escrow and also for them to jump my payment up this much on top of the yearly jumps. My payments started at {$3000.00} a month in XX/XX/2021 to now jumping up to {$4700.00} a month and my taxes have not gone up that much from the county. My escrow payments at the {$3500.00} a month is {$15000.00} a year and my taxes are only XXXX a year and insurance is XXXX. The math does not add up! I am tired of trying to fight the mortgage company on these and going to lose my good interest rate to refinance just to get it fixed. I want this company to be investigated because I am sure that I am not the only one that is having this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with Capital One, XXXX XXXX, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, Capital One has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks XXXX will most likely be to file a class action lawsuit. 

Thank you for your help.
Product: Checking or savings account

On XX/XX/2021, I received a text message warning from Wells Fargo stating that my card had been declined at XXXX and to type Y if this charge is correct and XXXX if the charge was not authorized. I typed XXXX and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at Wells Fargo. The agent asked me to provide the credentials for my Wells Fargo XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they had me initiate 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, I realized that I was speaking to an imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called Wells Fargo and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department and the wait time was over an hour. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a XXXX XXXX XXXX with my name on that account. I have no association with the XXXX XXXX XXXX and do not have a XXXX account with XXXX XXXX. The person stole my identity and linked my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. I filed a report with The XXXX XXXX Police Department on XXXX XXXX, citing identity thief. The imposter used my name and mobile number fraudulently on an account and the transaction is unauthorized due to this fraud.
Product: Credit card or prepaid card

XXXX 2020 was notified by Bank of America there was a charge on my CC I didn't recognize, I called the bank then was told to call XXXX XXXX XXXX XXXX XXXX said they didn't see any charge of {$58.00} so I was told to call BOA. I then called BOA to dispute the {$58.00} but instead of putting a dispute on the {$58.00} they also put a dispute on a charge I had made for {$16000.00}. Unaware that BOA ended up double charging me for the {$16000.00}, I cancelled my order with XXXX XXXX not realizing what BOA had done. Well, not sure exactly what happened but it took a hole year for BOA to reverse the double charge, plus some of interest and late fees after I wrote a letter to the bank. I have proof I have spoken to over 40 boa reps and supervisor to settle this matter. But, what does boa do, they sent my account to a collection agency without giving me notice. I tried to work with the agencies that were handling the problem but I just got the run around. BOA, is stating I owe {$6500.00}, but I have proof the amount they owe me {$7500.00}. When I have written a certified letter to both collection agency to show me proof that several chargebacks were returned to my account, I got 6 years of statements. The odd thing is the statements had two different balances on 7 months. Now, BOA served me with civil court papers and I had to pay {$220.00} to answer the compliant. I have over 100 pieces of evidence to show how bad I have been treated. I just printed out my credit statement and all of my accounts state Never late exceptional payment history except the BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Rushmore Loan Management Services LLC ( RLMS ) purchased my mortgage from XXXX XXXX XXXX in XX/XX/XXXX. I was assured the my loan payment would not increase, however, since XX/XX/XXXX, RLMS has continued to increase my loan payments stating variety of reasons such as home insurance increase, property tax increase and escrow shortage. I requested to have my loan account to be reviewed for the listed shortages and the company did not respond for 4-6 months. XX/XX/XXXX I received another report listed escrow shortage, this time much larger that the last. I am sending my written request to RLMS on XX/XX/XXXX for yet another investigation in the shortages. My home insurance and property tax increased for an annual total of {$97.00}, not even close to what the RLMS ' shortage amount of {$780.00}! Please advise on proper legal action so that this company does not commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXF XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in credit report published. 
Under federal law, they had thirty ( 30 ) days to complete investigation from the date received my dispute letter. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

There was a list of items that were sent in my initial dispute letter that now must be deleted from database. 

The information must be deleted from my report as soon as possible. Not only did Equifax not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, Equifax had thirty ( 30 ) days to complete the investigation from the date they received my dispute. 

I have attached a courtesy failure to respond letter that was mailed after the over 30 day investigation request with no response
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Looking over my credit report I have found several inaccurate accounts that are hindering me from getting a house. I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and INACCURATE accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health and is causing a strain on me and my family to the point we are seeking therapy. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Checking or savings account

I was recently the victim of a fraudulent job scam from the company XXXX XXXX XXXX, that resulted in my Wells Fargo checking & savings account being closed and leaving my checking account with an overdraft balance of - {$2700.00}. 

I applied for a job on Indeed that I believed to be legitimate. Shortly after, the company contacted me, informing me that I had been hired. As part of my onboarding process, they sent me a check via XXXX in a flat mailer for {$2900.00} for office materials and provided instructions on how to use the funds. I deposited the check into my Wells Fargo checking account on XX/XX/year>. The next day, per their ( XXXXXXXX XXXX  XXXX ) instructions, I sent a portion of the funds via XXXX to another account. I received an invoice of the materials I purchased and was told that the amount I sent did not cover all of the materials. So I was told that I will be receiving one more check to cover the rest of the materials. 

A few hours later, I was informed by Wells Fargo that the check was fake, and the funds were reversed. Unfortunately, by the time I was notified, the money I sent via XXXX was already gone, and I was left with a negative account balance of - {$2700.00}. Following this, Wells Fargo sent me an email stating that they will close my account XX/XX/year> and reported the overdraft amount against me. 

As this has transpired I called Wells Fargo and talked to multiple service representatives ( XXXX who transferred me to XXXX, who transferred me to XXXX, who transferred me to XXXX XXXX Lost Prevention ) ). I was given a claim number from XXXX and was told that they can not affirm if they can reverse the XXXX transaction. I was also told by XXXX to throw the new check that was being sent away once I receive it and stop all contact with the company XXXX XXXX XXXX. After talking to Wells Fargo on the phone, I submitted a consumer support ticket with XXXX about what had happened, which I have yet to get a response from. 

The next day I received two checks from XXXX XXXX XXXX, one for {$3900.00} & {$4800.00}. I did not throw them away just incase I need to send evidence to Wells Fargo.
Product: Credit reporting

Paid/satisfied judgment was investigated and deleted about XXXX years ago but reinserted XXXX months ago. Several attempts have been made to correct situation. I was told by Equifax that I needed an attorney to be given proof of previous investigation records that reflect claim. I have spoken with several employees of company that informed me they were all supervisors and there in no higher point of escalation. 

There have been trade lines deleted from my credit report with perfect payment history which has subsequently lowered my credit score. XXXX has opened their own investigation to determine why this has occurred. 

My XX/XX/XXXX XXXX XXXX XXXX care loan with excellent payment history has been marked " not reported '' for duration of loan. The loan has perfect payment history and was paid in full. This is affecting my credit score. 

I have paid off XXXX car loans with XXXX credit union since XXXX and the report only reflects XXXX car loan. 

All of my student loans have been marked as payments " not reported '' for the entire XXXX month history after speaking with XXXX XXXX approximately XXXX weeks ago. I spoke with XXXX XXXX XXXX days ago and was informed that the items would be investigated but they are not reflecting investigation status on my report and I have been blocked from online disputing. 

Many of my revolving accounts are reflecting inaccurate payment history. The payment history was deleted and marked as " no history available '' XXXX hours after speaking with XXXX XXXX. 

It would appear that I am disputing inaccuracies with this credit bureau every other week and my credit score fluctuates XXXX-XXXX points from week to week and has rendered my creditors unable to make lending decisions. I am constantly disputing old information that should not be reflected on my credit report. Each time I am told to open a new dispute and wait an additional XXXX days.
Product: Credit reporting or other personal consumer reports

They have duplicate credit cards on my credit report, which they claim not to see on their end. They duplicate credit cards even after you enter them manually, which increases your debt and lowers your credit scores. In addition, they claim on the site that if you apply for a personal loan that it will not affect your credit score, but it does!
Product: Checking or savings account

ATM transaction for {$120.00} was cancelled. Amount was never returned.
Product: Checking or savings account

Received a chime debit card in the mail - I did not open a chime account - you cant speak to anyone to ensure this is closed you cant speak to anyone Im concern Chime is committing fraud against me
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I received a Credit Report XXXX. I was reported as an Authorized User. This was reported to have started in XXXX. I did not agree to any account for a credit card. When I called the company ( XXXX XXXX ) they refused to file a credit report dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested Transunion to update my personal information from my credit report. I never received a response. On XX/XX/XXXX, I requested them to also remove inaccurate items listed in my dispute letter that I requested to be deleted. Finally, on XX/XX/XXXX stating that I did not provide required documents to verify credit report. This information isn't correct. Attached is proof that a drivers license, a social security card, and bill to verify proof of residence in which, are all required documents for verification.
Product: Checking or savings account

J.P Morgan chased sent me a message out of the blue in XX/XX/year> that my account had suspicious activities and they are closing the account. they stated my remaining funds which is from my checking and savings summing up to almost {$20000.00} will be mailed to me and since today, i have not received anything. i have been calling them from time to time but i do not receive any reasonable justification.
Product: Credit card

I have the American Express XXXX XXXX, and one of the benefits is a {$200.00} XXXX credit. After calling up an Amex Representative I was notified that in order to be eligible for this credit, the shipping date would need to before XX/XX/XXXX. I placed an order on XX/XX/XXXX, and I got it shipped the same day, my transaction ended up posting later, and now I am calling Amex to have this looked into and they are not helping me on this. I need this {$200.00} credit to be posted as promised from the year before.