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

I have disputed 3 Charge off accounts and 1 collection accounts on multiple occasions with all three credit bureaus and even with the CFPB and they still refuse to do a proper investigation. I have three accounts with multiple inaccuracies and even after disputing they still come back verified. So I proceeded to download my complete credit report and physically mark out the inaccuracies as I am entitled to a 100 % ACCURATE credit report at all times per FCRA and have found multiple violations under FCRA which I will be seeking legal reparations as they have prevented be from obtaining credit. I also have 1 Collection account from XXXX XXXX where they allege I owe a debt but have been unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. I will be listing the three accounts and their violations. 

XXXX XXXX XXXX ( {$530.00} ) Incorrect payment status Inconsistent Delinquency reporting Inconsistent and Inaccurate balance reporting Inconsistent payment history reporting ( payment chart and listed dates do not match ) Inconsistent and inaccurate date of last activity Missing Terms Missing high balance Account Comments/ Status inconsistent XXXX  XXXX ( {$770.00} ) Last updated Dates : inconsistent Inaccurate and inconsistent Payment status Delinquencies : Missing or inaccurate Balance reported Inconsistent or Missing 2 Year Payment Chart : inconsistent reporting Older Derogatory events and 2 year payment history : dates do not match/ Missing XX/XX/60 late payment reporting : inaccurate/missing Close dates : inconsistent or missing Date of last activity : is inaccurate or missing Terms : are inconsistent or missing High balance : inconsistent or missing XXXX XXXX  ( {$260.00} ) Payment status : inaccurate and inconsistent Delinquencies : Inconsistent or missing Balance : inconsistent or missing 2 Year Payment Chart : inconsistent and multiple inaccuracies XX/XX/60 Day late payment reporting : Missing 90 day late payment reporting : inaccurate and missing Close Date : inaccurate and missing Last Activity : Inconsistent and missing Terms : inconsistent and missing Scheduled Payment : inconsistent and missing High Balance : Inconsistent and Missing Loan Type : In consistent and inaccurate Comments : Inconsistent/ Inaccurate XXXX XXXX ( {$2200.00} ) unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. 

All above listed are causing inaccuracies and violations under FCRA USC 15 1681 Failure to Correct violations will result in litigation. 
All evidence and complaints have been forwarded to the Attorney General of Texas for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX Reporting XXXX, XXXX XXXX XXXX Reporting XX/XX/XXXX Equifax XXXX XX/XX/XXXX But they keep hassling me.
Product: Checking or savings account

Ally bank erroneously flagged a transfer to our XXXX XXXX XXXX account as fraudulent. They recognized their error and concluded their investigation. XXXX XXXX XXXX subsequently closed our account due to Ally Banks erroneous initial assessment of a transaction. XXXX XXXX XXXX will not release our funding until Ally Bank submits a letter resending a request for indemnification, which they have not produced as of today. As a result, our money has been frozen in suspense with XXXX XXXX XXXX who said they have repeatedly reached out to XXXXXXXX XXXX and have heard nothing back. This delay is causing material damage to our company. Ally needs to respond to XXXX XXXX XXXX with the requested documentation immediately. They were the cause of the problem through their erroneous and sloppy classification of a transaction as fraudulent which both banks have already determined it was not. Now, the only remaining step is to send that letter, which they are incapable of doing in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX risk department froze my checking account and closed it. I was told by numerous XXXX XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX  XXXX XXXX has reported the hacked accounts to ChexSystems and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
Product: Credit card or prepaid card

I used my American Express card to purchase an oven from XXXX XXXX. I transferred the balance to my XXXX XXXX  for a {$30.00} fee and zero percent financing. XXXX card paid American Express. I now have a {$1000.00} balance on my XXXX  card. I had to return the oven since it didn't fit. XXXX XXXX issued a refund to American Express. Now I owe XXXX card {$1000.00}. I contacted American Express on XX/XX/23, XX/XX/23, XX/XX/23 via phone and text. They requested that I make an additional payment if {$40.00} although I had no balance, they actually owed me- I made the payment. I have screenshot all my correspondence. I was told a refund check would be issued although I have a savings account with American Express. They told me three times that they would mail the check. I contacted them today and the check was not yet issued. I asked to escalate and requested a wire transfer directly into my bank account. They told me this could incur additional fees. Overall, it appears that American Express is " double dipping ''. They received funds from XXXX XXXX  as well as XXXX XXXX and now are making me fight for my money. All I wanted to do was surprise my wife with a new stove. Now I am out {$1000.00}, no stove, no check. Please help.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also
Product: Checking or savings account

Re : Wells Fargo Claims # XXXX Booking my XXXX year old son and I on XXXX XXXX XXXX trip flights, a perpetrator pretending to be XXXX XXXX resulted in the following five Wells Fargo claim disputes : ( 1 ) {$510.00} The subject line to the XX/XX/XXXX email confirmation receipt of the booking reads, " XXXX XXXX Booking Confirmation # XXXX. '' Immediately following the email, within the thread were additional flight details, described as follows : XX/XX/XXXX XXXX Flight # XXXX XXXX - XXXX XXXX XXXX, XXXX Flight # XXXX XXXX XXXX XXXX - XXXX ( 2 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX ( 3 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX * Additionally, a {$770.00} pending charge reflected on the account, naming XXXX XXXX the merchant. Divided in half, the charge accounted for the two {$380.00} charges, totaling {$770.00}. 

( 4 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX ( 5 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX The disputes resulting from Wells Fargo charges, totaling {$1900.00} for the two XXXX XXXX trips to XXXX, Hawaii and back to XXXX, Texas appeared to be authentic on the surface, being that we did arrive on the island. Following the arrival, XXXX XXXX advised me that my return trip was never arranged and that I had been misinformed of travel rules, resulting in our turn around trip to avoid the hotel costs of a 14-day quarantine. Related to Covid-19, these rules were not provided by the XXXX XXXX perpetrator and required that I leave the island. Stranded with child, without an authentic return trip, I was forced to purchase two tickets at $ XXXX ea., totaling {$690.00} on XX/XX/XXXX. 

I strongly feel that the bank has failed to throughly investigate the {$1900.00} charges without any prejudice and discrimination based on race, ethnicity, power, social class, and prestige. On XX/XX/XXXX a claims representative, known as " XXXX '' advised that I did not qualify for a reconsideration and could not explain why, leading me to believe other factors were wrongfully considered in the denial of claim # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX I filled a dispute on this account through all XXXX Credit Bureau 's as well as with CFPB I did get a response in regards to the issue and was told to report the issue to IdentityTheft.gov so I have just completed my report with Identity Theft org and I and uploading a copy of the report / N.o.
Product: Credit reporting or other personal consumer reports

I was involved in a XXXX  data breach and all my private information is being exposed. I requested it all be removed from the public because of the attempts of identity theft and false reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a discharged chapter XXXX bankruptcy on my credit report that has expired its 10 years of reporting. Also, their investigation ( s ) have taken over 60 days on multiple complaints through the CFPB and directly with Equifax.
Product: Debt collection

They are trying to collect on a debt that i have no knowledge of and after asking for them to send me the information of said debt they have not provided me with any information.
Product: Mortgage

Citimortgage and I were working on a loan modification to lower my payments. After sending in everything they requested they kept calling me every XXXX months telling me they needed me to send it in again. After almost XXXX years I told them they have what they need to make a decision and I would not be sending anything else. If they wanted the house I would do a deed in lieu. They told me they did n't want the house and they sold the loan to a collection agency. I had to file bankruptcy and we ran my credit report and found out that Cotimortgage was running a credit check on me approx. every XXXX months lowering my credit score without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, TransUnion, XXXX, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.
Product: Mortgage

We were offered a loan modification with interest rate of 4.9 % and a final balloon payment of over {$130000.00} at maturity in XXXX, by that time I will be XXXXyrs and my husband will be XXXX yrs God willing, where do we get {$130000.00} to pay after the loan matures? we had to decline this offer because is like deferring foreclosure on our house till old age. We simply want something reasonable to help us afford the loan and prevent future foreclosure as well. The loan balance is above market value so we can not refinance, this means that we are stuck and the only other option is to make it affordable or face foreclosure. As advised, we are requesting further review based on the Real Estate Settlement Protection Act, RESPA. The requested RMA and percentage ownership information has been forwarded to the appropriate department. 
Thanks, we will greatly appreciate favorable consideration, looking forward to a favorable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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  XX/XX/2022
Product: Money transfer, virtual currency, or money service

I made a transfer by mistake to an account that I have never had in the Chase Bank application and that appeared there and very similar to my personal account, my personal account that ends in XXXX and to the account that was sent the amount of {$10000.00} that ends in XXXX and the Chase bank says that it can not recover said amount from the other bank and I have called them on repeated occasions and they only tell me to wait and wait, until today they tell me that they can't do anything and they can't give me No information on where the money went since they deleted the account from their system and they asked me to find a lawyer to recover the money. 
I want to know how I can claim this amount of money since Chase Bank does not want to help me solve this problem and the bank that received ( XXXXXXXX XXXX XXXX ) says that only Chase Bank can recover it. 
This happened on XX/XX/XXXX I sent {$10000.00} from the Chase Bank business account to an account that I do not recognize that was in my bank application in termination # XXXX and the name of the bank is XXXX XXXX XXXX in the name of XXXX XXXX. 

Thank you!
Product: Mortgage

United Wholesale Mortgage and XXXX XXXX XXXX refinanced our mortgage in XXXX of XXXX. On XX/XX/XXXX I went online to pay my mortgage as I have done every month since the refinance. I noticed that my account stated that I must pay {$10000.00} by XX/XX/XXXX or else my mortgage payment would double for the next XXXX  months. 

After contacting UWM I found that my escrow account had been in arrears and this was the reason for the need to pay {$10000.00}, none of which would go toward my principle. It happened that we had received an insurance payout from the loss of my mother no more than XXXX days prior or I would not have been able to make any payment. I was not able to pay the entire amount so I paid {$5000.00} and said that I would most likely be able to pay the rest by XXXX. At that time I was told that even after paying the XXXX, my monthly mortgage payment was increasing from {$1300.00} per month to a whopping {$1800.00} for the next XXXX  months and that a reassessment would be done in XXXX of XXXX. After making this payment my account on the website was showing that my next monthly payment was not due until XXXX of XXXX. 

On XX/XX/XXXX I called UWM again to pay the remaining {$5000.00}. At that time I was told that I actually owed {$5700.00}, and that I would need to make a payment of {$1800.00} in booth XXXX and XXXX, and every month thereafter. 

While my property taxes did go up, they only went up by {$2000.00}. Bottom line is that the title company grossly underestimated my escrow payment, without the tax increase. And the bigger problem is that UWM never notified me at any time until my phone call on XX/XX/XXXX that my escrow account was low or empty. I was told that I had opted for digital communication and that was the reason. Last time I checked email was digital communication. I have received at least XXXX emails from them since, but none since XX/XX/XXXX when I set up my online account and received a confirmation email. 

This error is unconscionable and would cause a majority of homeowners into foreclosure. There needs to be some repercussion for the title company 's careless calculation of escrow and UWM 's negligence through failure to notify me of the escrow deficit.
Product: Credit reporting or other personal consumer reports

This is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of the other addresses you list on my report are wrong. Please remove ALL addresses except for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX This is my correct phone number XXXX. I would like all other phone numbers to be removed. I have attached my ID with my correct address, please delete any address that does not match this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being l have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the account listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$5000.00} -This is not my account.
Product: Mortgage

Please see attached document explaining the nature of the complaint : " Complaint.pdf ''
Product: Debt collection

Received notification from collection agency advising that debt was owed by me. This company did not verify or validate the debt belonged to me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT
Product: Debt collection

The company Medical data Systems , Inc. of XXXX florida when contacted could n't provide any information or bill to show that I actually owed a debt. When I asked for the confirmation of the debt they responded that they did n't have the information and even without the information to confirm the existence of a debt they refused to remove it from my credit report. 

I called and talked with a representative, a supervisor and the both of them refused and could not provide information on the debt. They just stated it was valid. I asked for a copy of the debt and they said they did n't have it. they both also stated that they could n't nor would not remove the information from my credit report. 

They have neither the information of who owes the debt not can they provide a copy of it saying I actually owe it. 

6 phone calls were made on XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint against experian XXXX XXXX and XX/XX/XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect outdated information on my credit report and about fraud. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints.
Product: Credit card or prepaid card

I cancelled an annual subscription on XX/XX/XXXX. The merchant ghosted my cancellation email, and charged me for both XXXX and XXXX. I filed a chargeback dispute with Citi ( which gave the merchant my updated card number WITHOUT my authorization ). Citi, without reviewing the cancellation notice, sided with the merchant because they provided a receipt of annual charge for XXXX and XXXX which I didn't authorize.
Product: Student loan

Since XXXX, I have tried setting up an Auto Pay for student loans and it shows in my bank account but I keep getting notifications from Mohela about not getting the payments. Its super confusing and so frustrating, because it shows Im making the payments but still getting notified that Im not making payments. What am I doing wrong? Mohela isnt a sufficient student loan company and they need to figure their stuff out. Its unfair.