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

XXXX; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX****.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint to Experian stating inconsistency on the report. Their response was that the account was mine for the wrong account. It appears these companies lack common knowledge on verification if they cant research the proper account which i clearly stated. How can they be trusted at their word that they did an investigation in the 1st place. Below is a copy of the letter sent out that list all the inaccuracies. A letter of their inaccurate investigation and a pic of the account that should have been investigated
Product: Mortgage

I received a letter from Chase stating that Chase did not pay for my neighbors property taxes & therefore credit that was issued to me initially, was rescinded. See attachment of letter. 

Attached is an example of where Chase paid for both properties for XXXX. 

My property is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX taxes for the year is {$12000.00}. See Attachment XXXX Installment {$6000.00} XXXX Installment {$6000.00} Neighbors property is XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX taxes for the year is {$7300.00}. See Attachment XXXX Installment {$3600.00} XXXX Installment {$3600.00} When you review my XXXX Escrow statement, I have highlighted in yellow where Chase has paid my property taxes & my neighbors property taxes. 

This situation has ballooned my escrow account & I can not make the payments. 

I have been on the phone with many of your executive team & everyone is saying Chase is only paying my property taxes. 

My neighbor has not paid property taxes for years. 

I am very stressed regarding this situation. Chase has sold my mortgage to a Collection agency ; instead of giving me options, such as refinancing to a longer term to pay my mortgage.The Collection Agency is pressuring me to make payment. 

I would like a thorough review of my Escrow starting from XXXX when Chase started paying my property taxes
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I was indebted to XXXX XXXX with the amount of {$100000.00} in credit card, and it accumulated interest to the amount of {$1400.00}, and i completed the payment and they still have my name on file. 
Secondly, I was indebted to XXXX XXXX XXXXXXXX a little over XXXX and I paid. they still have my name on file
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am being charged interest by my loan servicer. However, my loans are in forbearance. While I received a notification from my loan servicer, that despite my loans being in forbearance, they are going to continue charging interest on my principal. However, I check my account XXXX in AidVantage, it says interest rate is 0 %. So there is conflicting information. 

What is not conflicting is that fact that my loan principal is increasing while my account dashboard says that the interest is 0 %. Because of this reason I have made XXXX extra payments totaling roughly ~ {$1500.00} but my loan keeps on increasing. 

I don't think I should incur interest.
Product: Debt collection

I was receiving calls a few years ago regarding this debt. I sent in a do not contact me letter. The calls stopped, but the emails began. Every time I unsubscribe from the emails. They would stop for awhile and then start up again. A year ago I thought was going to have enough coming in to pay off these predators so I called to make payment arrangements. After that the calls began again. I told them that I did not say it was okay to call me. I keep getting emails, I unsubscribe and then they continue to send me emails.
Product: Vehicle loan or lease

XX/XX/XXXX my insurance company sent a check to Santander Consumer USA for the total loss of my vehicle. The check cleared the bank on XX/XX/XXXX, but was not posted to my account. I called to follow up, and was told there was no check or payment found. I had to provide the copy of the cleared check before they would acknowledge. I later found out that the payment was posted to the wrong account. I was told to give 5-7 days for it to be updated. It has been almost 3 weeks since I sent them the paperwork and they still have not posted the payment. They tell me to continue making monthly payments. My GAP coverage check cleared and was posted XX/XX/XXXX. They still do not have my vehicle deemed as totaled, while interest is steadily accruing on the account. No one has been able to explain why it is taking so long, only that most are working from home and it takes time to process the payment. It took no time to have the check clear the bank, but over a month to have the apply the payment appropriately. It has been a challenge trying to get another car with a decent interest rate with the totaled vehicle showing up with the high amount owed. They have pretty much backed me into a corner, resulting in the purchase of a car with a higher interest rate, because of what the finance companies are seeing. I have been in a rental since XX/XX/XXXX and it is now XX/XX/XXXX. UNACCEPTABLE.
Product: Checking or savings account

I received a paper copy of an annual statement from Axos Bank, who holds a XXXX IRA Account for me. They charge at {$10.00} fee for a paper statement, which was dramatically more than the interest that was credited to my account. I never saw a fee schedule or received notice that I would be charged a paper statement fee. I also never received information about how to sign up for an online account to avoid this fee. I called to request the IRA be closed and the funds to be returned to me in the form of a check. I was told to go to XXXX and register that they were an online bank and could not accommodate my request over the phone. Several hours later, I received an email saying my request to access my information online was declined. Then, I called back to Customer Service and was told I had to register online again which did not work the first time. When I explained I had tried that they told me to send an email with the issue to their team. Having already tried to do what they asked, I asked to speak to a supervisor and was told it would be a day or XXXX before someone could call me back because the supervisors were all busy. I told the agent I would be filing a complaint. They are restricting access to my funds, charging fees that were not properly disclosed to me, and making it impossible for me to get my funds back so they can keep charging me fees. This is the site : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to XXXX regarding an account on my credit report by the name of XXXX. I informed Equifax that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments for XX/XX/XXXX, so I am confused as to why XXXX is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.
Product: Debt or credit management

I was charged excessive fees constantly by XXXX law for credit repair!!!!
Product: Bank account or service

I keep receiving mail and all correspondence from this agency claim that he purchase my mortgage from XXXX XXXX along with my United States XXXX on XXXX XXXX, 2017 XXXX XXXX left a letter envelope outside my door in this letter was advertising from Bayveiw Loan Service offering me to Cash for my Key to my house that withdrawal {$50000.00} from my pension to put the downpayment down stating that I Get cash to help you move to a new home accept this offer today. My pension was without and paid for me to move here why would this agency ask me to release my title of my home and all contents in the home to them for {$2000.00} is this legal please investigate this agency ensure that it legal to offer a home owner and all misconduct and mismanagement found all individual involved be convicted according to United States Federal Regulations
Product: Consumer Loan

Wells Fargo dealer services is reporting a 60 day late on all credit reports. I was told by XXXX in their collections department that if I paid a set amount they would move my XX/XX/XXXX payment to the end of my loan and I would not receive a late mark on my credit. Wells Fargo did not follow through and I now have a 60 Day late mark, even though I completed everything that was asked of me.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( BlockXXXX. ) ( XXXXXXXX XXXX XXXX  qua to ) customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX as untair and Veceptive, as they XXXX XXXX XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian and XXXX that the creditor XXXXXXXX XXXX XXXX  listed as a collection account on my report is not mine. The collection was shown as being for an XXXX XXXX account for XX/XX/2021. I have never had an ambulance account. The only ambulance I have been in, last XXXX, was covered by XXXX. I am a military dependent. 
XXXX account number XXXX is reported as being accurate. Do I need to take this to legal action? XXXX has not responded. Experian has. When I called them yesterday, they said my option is to contact you. I am very angry!
Product: Student loan

Have Parent Plus loans for my son that went to Navient from XXXX XXXX. Payment is very high, they have put me in forbearance many times as I struggle to pay the loans. I asked for reduced payment in lieu of forbearance but they said we make too much money. Instead we added additional charges/ interest due to the forbearance.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I sold my vehicle to XXXX on XX/XX/2021. My vehicle lease title is held through Toyota financial services. Toyota financial services received full payment for the vehicle on XX/XX/2021 from XXXX. I faxed all required paperwork to Toyota financial services as well. I've repeatedly called Toyota financial services about the status of my loan termination. Every time I call, they tell me that they don't understand why my title is not released and that they will escalate my issue and get it resolved. Meanwhile, it is XX/XX/2021 and my title is still not been released out of my name. The account still shows full balance owed. I have had to continue making payments, while they hold the check for the full balance owed. I am on my wit 's end with this company and have no idea what other actions can be taken.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my credit report because I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  acct no XXXX is fraudulently appearing on my XXXX  and experian reports. 
the manufacturer, seller and creditor XXXX XXXX XXXX defrauded me on the sale of a diamond ring. 
the diamonds are not genuine gem quality but man made " industrial '' type diamonds and the gold quality is much less gold carat than is stated. 
DELETE THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for car said was going to run XXXX and ran all these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD PERSONAL HARSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The below inquiries were made illegally and unauthorized on my credit file. I did not request, agree to or allow the below companies to run my credit whatsoever. I have fraud alerts set up on my credit file and no one called me to verify that it was truly me making the request. Very disappointed with this situation. I am requesting the immediate removal of all inquiries listed expeditiously. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My stimulus payment is dated XX/XX/XXXX per the IRS transcript information. The payment has not yet been applied to my account. In addition to this, KeyBank held my paycheck that was to be applied in XX/XX/XXXX until XX/XX/XXXX which cause overdraft. I confirmed with my employer that the payment date was XX/XX/XXXX due to the pay date falling on a holiday ( XX/XX/XXXX ). I contacted KeyBank several times and they stated it was dated the XXXX, which is not true. So in addition to the overdraft that is now being resolved as my paycheck was applied today ( XX/XX/XXXX ), I still do not have the stimulus applied. It is dated the XXXX and should be applied today. 

There are numerous people that have received theirs, but mine has not been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Equifax itself. My complaint is this : I recently been informed that Equifax has been breached again by four XXXX XXXX. The last time they were breached my info was compromised and if they can not keep my private info safe then I dont want them utilizing my info in any way at all. Why should they be able to have a hand in major credit decisions in my life when they have failed time and again to keep my info safe. I'm really alarmed at this new breach because my identity was compromised and I'm still having credit issues with the last breach. I would like to file my own personal suit against them for incompetence which is my right. They hold too much power too be infiltrated so easily. I would like compensation and I wan TV my precious info removed from their databases before XXXX XXXX they hurt me in a way that I wont be able to recover from. This info is my life and sacred and I expect Equifax to keep this info protected as they promised that is my binding contract with them and they gave breached contract too many times now for me not to take action on a personal level not a public lawsuit.
Product: Credit reporting or other personal consumer reports

15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to XXXX if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.
Product: Credit card or prepaid card

XX/XX/XXXX - Was double charged for TV, as when Best Buy agent canceled order, it did not reflect in Best Buy inventory. Never got that TV, but the issue at hand is, that charge is stuck. Called Citibank who services Best Buy card. They sent me back to Best Buy, and am stuck in loop. 

Emailed Best Buy Corporate XX/XX/XXXX, once new statement was out, and I saw charges. They contacted me with resolution about gift cards being used to pay off the incorrect charge. I have voicemails from XXXX at BB executive office with the above solution for reconciliation ( XX/XX/XXXX ). Weird way to reconcile errorcould this be XXXX compliant?? 

XXXX direct line at Best Buy Executive Office - XXXX. You can verify everything with him. Happy to provide you with emails to Best Buy, and voicemails from XXXX with supposed resolution. 

Today its XXXX, and my account is still double charged. I feel like Im held hostage at this point. This is impacting me credit utilization, and thus my XXXX. My XXXX is good, but logically would be higher, if it doesnt show an extra $ XXXX being used on account ( current total charges are ~ $ XXXX ). This should be illegal. 

I feel stuck, like XXXX against XXXX. Please help me with some guidance. Had the tables been turned, and I walked out with a $ XXXX tv, Best Buy would surely have locked me up immediately. 

Respectfully, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister 's information is intertwined with mine on my credit report. We have the same initials, were both born in XXXX, and our SS numbers are only one number apart. I have excellent credit, and have had no problems to this point because of the confusion, but that could change. I tried years ago to have it fixed, and got the run around ... was basically told it couldn't be changed. Her name is on my credit report under my SS #, surely there's a solution. I have encountered issues where they ask me about previous addresses during security checks ... and they have hers mixed in with mine. It's confusing.