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

I am a victim of identity theft, and Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reinserting a XXXX XXXXXXXX account ( XXXX ) into my consumer report without proper notification, as required by FCRA section 611 ( a ) ( XXXX ) ( B ). This reinsertion occurred despite my prior disputes and without the mandated notification, within XXXX business days, directly impacting my credit score and financial standing. This account was reported without my authorization and falls under the FCRA 's exclusion provision for identity theft, also violating the permissible purpose clause. This exposes your agency to civil liability of {$1000.00} for willful non-compliance. I demand that Equifax immediately delete this account from my consumer report in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to accept documentation from me from XXXX XXXX stating that the bankruptcy does not belong to me I have contacted them today XX/XX/19. 

I have attached some documents from XXXX XXXX I want the bankruptcy removed
Product: Mortgage

i have refinanced my home and got a new mortgage, i logged inn to the new lender site and follow the instructions on the payments and sent the payments. i got a conformations the payments where made. 
after 2 month of payments my credit dropped 130 points i call to see where is the issue from they told me its the mortgage. the mortgage company never sent me any notice nor email or letter, when i called the company they told me they tried to call me, i naver got a call from them as well. i have paid it as soon as i found out and made sure the information is correct for the future. 
i occupy this property as a primary resident and i never got any letter from them. i requested a copy of the letter that they claimed to send, its says on it draft unsuccessful witch only proving they never sent anything, as this is not my fault and i never had a late payment, i request it to be removed from my credit asap.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX  on XX/XX/year>. The loan was financed thru Westlake Financial Services. The interest rate is XXXX with payments of XXXX for 72 months. Now that I'm at the end of my loan. The amount owed is more that what the paper work states. My payment was deferred for 30 days due to the pandemic. I also changed my payment date to the beginning of the month instead of the XXXX of the month. I've never missed a payment and now that I'm at the end of the loan, I'm told that I owe XXXX. I've made every payment except when it was deferred for a month. The total loan is XXXX and if I've made a total payment of XXXX, why is my balance still XXXX instead of XXXX? They keep trying to tell me the amount increased because of the deferral. The loan was only deferred for one ( 1 ) payment and I never agree to an increase in my loan.. 

Please help XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I Contacted Wells Fargo on XXXX to make my payment on my credit card. I did speak to a representative due to the fact they charged a {$29.00} late fee and she did say that they would waive the late fee and the fees associated with the late fee and it would be reflected on my next months statement. I was very appreciative that the did waive the late fee however it caught me off guard that the fees would also be take off so I asked her if she is charging interest on a late fee she advised there are fees with the balance and skirted around the question. I do believe that Wells Fargo needs to be investigated to see if indeed they are charging interest on late fees due to this being illegal for a creditor to do. There should have never been a late fee anyways considering when I called to make the payment they were not able to process the payment. I am unable to make a payment online due to not having a wells fargo bank account and I am unable to link my account to wells fargo making it an inconvenience that they want you to link an account instead of just being able to go online and make a payment with a debit card like you can through a customer service rep. Makes no sense.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX  XXXX Balance Owed : {$44000.00}
Product: Credit card

I am writing to formally complain about 2 lawsuits filed against me by Chase Bank over unpaid credit card debt. Despite my numerous attempts to address this debt, Chase Bank has made no effort to work with me to find a resolution at any time. 

Due to the circumstances of the COVID-19 pandemic, I experienced a significant loss of income which has severely impacted my ability to meet my financial obligations. This was communicated to Chase on multiple occasions. At every turn after a series of questions when assessing assistance I was eligible for they concluded " no assistance can be offered ''. I was once offered a settlement of 50 % of the balances only after the cards were cancelled by Chase, however Chase wanted one lumpsum payment immediately, and when I called back days later they said that offer was no longer on the table. Additionally, I have faced my own long Covid illness, further complicating my financial situation, so a lump sum payment is no use with medical debt. 

As a XXXX employee, I continued to work tirelessly to ensure public safety during the darkest days of the pandemic. The emotional and physical toll of these challenging times has been immense, and the added stress of these lawsuits are deeply concerning. As a XXXX employee I should not bear the brunt of the financial impact brought about by the pandemic. The setbacks I faced while being on the front lines, including working with Covid testing kits, should not be a reason to be sued. I prioritized the health and safety of the nation above my own, we were once called heroes, it certainly does not feel like how a hero is treated. 

Despite reaching out to Chase Bank on multiple occasions in attempts to reach a mutually beneficial resolution, I have received no cooperation. Instead, they have chosen to pursue legal action, which I believe unjust under the unprecedented circumstances. 

I kindly request your assistance in addressing this grave matter. I am seeking the dismissal of the 2 lawsuits filed by Chase Bank and an opportunity to resolve this debt through alternative means that take into account the hardships I have faced due to the pandemic and my ongoing health challenges. Specifically I am seeking the dismissal of the 2 lawsuits and Chase working with me on a reduced agreeable amount commensurate with not only my health issues but my commitment to the public health and safety of this nation. 

Your prompt attention to this matter would be greatly appreciated, and I am hopeful for a favorable resolution.
Product: Checking or savings account

I wrote a personal check on XX/XX/2021 to XXXX XXXX XXXX XXXX, my neighborhoods HOA. At the beginning of XX/XX/2021 XXXX XXXX XXXX XXXX contacted me stating I had not paid them. I sent them copies of the check and the proof of funds withdrawn from my account to which they notified me that is not their bank and not their account. Bank of America is the bank who withdrew the funds from my bank account and deposited it into one of their accounts which is clearly not the payee listed on the check. Upon receiving this information I notified my bank, XXXX XXXX XXXX XXXX XXXX, to which my bank filed the claim mid XXXX. I had not heard anything from my bank until I called them today and they informed me Bank of America gave no response to their claim and there was nothing else they could do. My bank told me I was out the check in the amount of {$500.00}. Because of this taking so much time my HOA is now charging me {$590.00} for the funds being late. I attempted several times today to call Bank of America customer service which was a failed attempt to contact with anyone at Bank of America. 

The supporting document check photo attached states the bank account bank of america deposited my check into as well as my bank account listed on the front of the check. I am willing to bet bank of america has no issues holding my money and lending funds to make interest off of the funds that were never there's to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to transport fuel. DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i was taken advantage of due to mal practice while several laws were being broken by FCRA by your company and have been having financial difficulties unable to get approved for any credit cards or loans and have been majorly impacted by the misleading report from the credit bueraus.This has effected my abilty to obtain any credit and even get a job.
Product: Checking or savings account

have sent official bank closure letter signed dated and with identification all provided. My attorney looked over it before it was sent. 

Optum bank has refused to close my XXXX account and mail me a check for my balance as indicated. It has been no less than 3 calendar months of attempts to get resolution, but still nothing. 

Please help me get my money! Shadiest financial institution I have ever encountered!
Product: Money transfer, virtual currency, or money service

I send XXXX dollar to a two of my friends to XXXX XXXX on XX/XX/XXXX XXXX XXXX  us time so my frien receive the tracking number at XXXX XXXX time, my frien works in XXXX XXXX he is not getting out work till XXXX western union send me a text telling me the my friend pick up the money already at XXXX later on around XXXX or XXXX my frien text me back telling me the money was already pick up but not by any of my friends by somebody else at XXXX in la XXXX XXXX XXXX something is wrong here my couldn't pick up the money a this time he was workin by this time and XXXX is to far away is 22 hours driving from XXXX  to XXXX and yes I call western they told me the money was pick up in XXXX
Product: Credit reporting or other personal consumer reports

See attached Comments and Exhibits. 

Bull City Financial Solutions ( 'Bull City '' ) reported a medical collection associated with XXXX XXXX to XXXX XXXX XXXX and XXXX on XX/XX/XXXX wherein Bull City claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that Bull City 's claim is both inaccurate and false. 

Upon filing a dispute with XXXX on XX/XX/XXXX, an investigation was conducted ; however, Bull City CERTIFIED to XXXX that the information in the collection was accurate and XXXX made no change ( s ) to my credit report. 

On XX/XX/XXXX, I contested the dispute findings electronically and attached one ( 1 ) page of comments and six ( 6 ) pages of exhibits. 

In response, XXXX informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going. 

Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX man/ XXXX XXXX survivor that has been taken advantage of in the past couple years I'm finding. Someone has falsely filed unemployment in my name and now I'm also finding that I have a bankruptcy on my credit report that I never filed and closed unsecured debt that I never authorized or opened. I have tried to settle this with the creditor but I'm not getting anywhere. I'm not sure what else today to have this inaccurate information corrected on my credit report.
Product: Credit card

I've consistently maintained on-time payments for this account, ensuring they're never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my posted credit score which is listed by Trans Union. The score which is listed by Trans Union is XXXX. My credit score has not been updated with Trans Union for approximately 6 months. My current score with XXXX is XXXX. My credit score with XXXX is XXXX. There is a " Huge '' disparity in scoring which needs to be corrected immediately!
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I am unaware of them, and they were conducted without my consent by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights Account Name : 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.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote Barclays Bank a letter attempting to settle a debt. I received a letter dated XX/XX/2020 requesting I call the company. I made several calls, and finally was able to get in touch with a manager that stated she could assist me with this matter. We spoke and agreed on an amount. I was told to mail the check to the billing department. I was also told the this would be considered fulfilled once the check was received, process, and cashed. On XX/XX/2020, I sent the payment agreed upon, with a letter stating the conversation ( attached ). This letter clearly states the terms for which this was to be considered paid in full and removed, once the check was cashed. I consulted with and attorney that stated, if they did not agree they should not have cashed the check and returned it. I reached out to the credit reporting agencies to have the debt removed as promised, only to have Barclays reject the agreement after receiving payment. I have attempted to contact Barclays again and was told " someone will call you back '', however no one has. This is not right.